Recognition, News, and Events

Financial Markets (Content at URL: www.hamiltoncapital.com/financial-markets)
Market commentary is intended for convenience, educational, and informational purposes only. Nothing herein should be construed as individualized advice or recommendations, and the discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced herein.

While information presented is believed to be factual and up to date, HC does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.

HC is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Readers, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.

Third-party ratings should not be used as the sole basis for evaluating whether to hire or retain an investment adviser. Unless otherwise specifically indicated, Hamilton Capital did not pay a fee to participate in the awards/rankings. For additional information regarding award criteria, please click on the link in each award. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.  


Events (Content at URL: www.hamiltoncapital.com/events)
You are now leaving the Hamilton Capital, LLC (“HC”) website. HC offers links to other third-party websites that may be of interest to our website visitors. When you click on these links you will leave the HC website and will be redirected to another site.

No representations or warranties are made as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this website or otherwise incorporated into this website. All such information is provided solely for convenience, educational, and informational purposes only.

Also, please be aware that the security and privacy policies on these sites may be different than HC’s policies, so please read third party privacy and security policies closely. When you use a third-party site, you will be subject to its terms and licenses and no longer be protected by HC’s privacy policy or security practices.

If you have any questions or concerns about the products and services offered on linked third party websites, please contact the third party directly.


News (Content at URL: www.hamiltoncapital.com/news_releases)
Third-party ratings should not be used as the sole basis for evaluating whether to hire or retain an investment adviser. Unless otherwise specifically indicated, Hamilton Capital did not pay a fee to participate in the awards/rankings. For additional information regarding award criteria, please click on the link in each award. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.  


Firm Recognition (Content at URL: www.hamiltoncapital.com/firm-recognition)
Third-party ratings should not be used as the sole basis for evaluating whether to hire or retain an investment adviser. Unless otherwise specifically indicated, Hamilton Capital did not pay a fee to participate in the awards/rankings. For additional information regarding award criteria, please click on the link in each award. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.  

Privacy Policy

Thank you for visiting Hamilton Capital’s Internet website (“Site”) located at the URL www.hamiltoncapital.com This Privacy Policy details certain policies implemented throughout Hamilton Capital governing Hamilton Capital’s use of personally identifiable information about users of our Site and users of services available through this Site (the “Services”).

Privacy Policy Updates
Due to the Internet’s rapidly evolving nature, Hamilton Capital may need to update this Privacy Policy from time to time. If so, Hamilton Capital will post its updated Privacy Policy on our Site located at www.HamiltonCapital.com and we may send registered users an email, so you are always aware of what personally identifiable information we may collect and how we may use this information. If any modification is unacceptable to you, you shall cease using this Site and the Services. If you do not cease using this Site and the Services, you will be deemed to have accepted the change.

Information Collection and Use You can generally visit our Site without revealing any personally identifiable information about yourself. However, in certain sections of this Site and when you use our Services, we may invite you to contact us with questions or comments or request information, provide or upload documents and other content, contact us with feedback, participate in surveys, questionnaires or complete a registration form. Due to the nature of some of these activities, we may collect personally identifiable information that you submit in your profile, such as your email address, phone number and city. We may also collect additional personally identifiable information that you voluntarily include in your profile or transmit with your communications to us. We may use your personally identifiable information to register you to use our Site and Services, deliver certain services, provide notices regarding services, and verify your authority to enter our Site, improve the content and general administration of the Site and our Services.

Children’s Privacy
Hamilton Capital recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. This Site is not intended for children under the age of 18. Hamilton Capital does not target its Services or this Site to children under 18. Hamilton Capital does not knowingly collect personally identifiable information from children under the age of 18.

Cookies
We may use small text files called cookies to improve overall Site experience. A cookie is a piece of data stored on the user’s hard drive containing information about the user. Cookies generally do not permit us to personally identify you.

Aggregate Information
The Site may track the total number of visitors to our Site, the number of visitors to each page of our Site, browser type, and IP addresses, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Site, track users’ movement, and gather broad demographic information for aggregate use.

Disclosure
We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law, or as necessary to provide services to you. In accordance with Sections 248.13 through 248.15 of Regulation S-P, we may disclose all of the information we collect to certain non-affiliated third parties such as, but not limited to, attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.

Webinar Users
We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our Services to you. Such third party entities may be obligated to use your personally identifiable information solely to provide the services to us. We will disclose your personally identifiable information if we reasonably believe we are required to do so by law, regulation or in cooperation with any governmental investigation. We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which Hamilton Capital participates or to a purchaser of all or substantially all of Hamilton Capital’s assets to which this Site relates.

Security
We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. Hamilton Capital may use encryption, password protection, and other security measures to help prevent unauthorized access to your personally identifiable information.

Notice to European Users
The information you enter on this Site or otherwise provide to Hamilton Capital may be transferred outside of the European Union to the United States of America which does not offer an equivalent level of protection to that required in the European Union. In particular, you are advised that the United States of America uses a sectoral model of privacy protection that relies on a mix of legislation, governmental regulation, and self-regulation. Article 26 of the European Union’s Data Protection Directive (Directive 95/46/EC, 1995 O.J. (L 281) 31) allows for transfer of personal data from the European Union to a third country if the individual has unambiguously given his consent to the transfer of personal information, regardless of the third country’s level of protection. By agreeing to the terms of use and this privacy policy, you consent to the transfer of all such information to the United States of America which may not offer an equivalent level of protection to that required in the European Union and to the processing of that information by Hamilton Capital on its servers located in the United States of America as described in this Privacy Policy.

Correction/Updating Personally Identifiable Information
Hamilton Capital provides you with the ability to review, correct and delete any of your user profile. Information you post in other areas of the Site cannot be deleted. If you wish to review or correct any profile information you have provided to us, you may submit a request to us at the contact email below or access your account online.

If you have any questions regarding this Privacy Policy please contact us. This Privacy Policy was last updated: February 17, 2011 This Privacy Policy is effective as of: February 17, 2011

Industry Designations

Neither a financial adviser’s compensation structure, nor their professional credentials or designations, should be viewed as the sole determining factor in obtaining or retaining their services. Please see our disclosure page for further information on the professional designations discussed herein.

Personalized services, experience or expertise of a particular adviser should not be construed as a guarantee of a particular outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.

CERTIFIED FINANCIAL PLANNER™: Certified Financial Planner Board of Standards, Inc. (“CFP Board”) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with flame design) logo in the United States (these marks are collectively referred to as the “CFP® marks”). The CFP Board authorizes use of the CFP® marks by individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. To earn the right to use the CFP® marks, an individual must currently fulfill specific requirements in the areas of education, examination, experience, and ethics. Individuals who become certified must complete ongoing education, ethics, and certification requirements in order to maintain the right to continue to use the CFP® marks. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Certified Public Accountant: Certified Public Accountants (CPAs) are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two-year period or 120 hours over a three-year period). Additionally, all American Institute of Certified Public Accountants (AICPA) members are required to follow a rigorous Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA’s Code of Professional Conduct within their state accountancy laws or have created their own. In addition to the Code of Professional Conduct, AICPA members who provide personal financial planning services are required to follow the Statement on Standards in Personal Financial Planning Services (SSPFPS).

Chartered Financial Analyst®: The Chartered Financial Analyst® (CFA®) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. CFA® designates an international professional certificate that is offered by the CFA Institute. There are currently more than 178,000 CFA® Charterholders working in over 170 countries and regions. To earn the CFA® charter, candidates must: (1) pass three sequential, six-hour examinations; (2) have at least four years of qualified professional investment experience; (3) join CFA Institute as members; and (4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.   

Certified Divorce Financial Analyst®: (CDFA®) The Certified Divorce Financial Analyst® (CDFA®) designation is issued by The Institute for Divorce Financial Analysts (IDFATM), which is a national organization dedicated to the certification, education, and promotion of the use of financial professionals in the divorce arena. The CDFA® designation is available to individuals who have a minimum of three years experience as a financial professional, accountant, or matrimonial lawyer. To acquire and maintain the designation, a candidate must successfully pass all exams, be in good standing with their broker dealer (if applicable) and the FINRA/SEC or other licensing or regulatory agency, and must obtain fifteen divorce-related hours of Continuing Education (CE) every two years.

Accredited Investment Fiduciary® (AIF®): The Accredited Investment Fiduciary designation is issued by the Center for Fiduciary Studies and is a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential. The purpose of the AIF® Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility. To obtain the designation, the individual must meet a point-based threshold based on a combination of education, relevant industry experience and/or professional development and complete 6 hours of Continuing Education each year.

Professional Plan Consultant (PPC): The Professional Plan Consultant (PPC) designation, issued by Financial Services Standards, a division of fi360, Inc., the Professional Plan Consultant (PPC) designation is awarded to those who successfully complete the 401k Service Training Program™ and who complete 6 hours of CE each year.

Certified Plan Fiduciary Advisor (CPFA) designation is awarded by the National Association of Plan Advisors and is a financial professional that demonstrates expertise and experience working with retirement plans. During the CPFA certification, candidates spend around two months learning about fiduciary services for retirement plans. To achieve a CPFA certification, candidates must pass the NAPA CPFA examination and there are no experience or education requirements. Designation holders must complete 10 hours of CE each year.

The Chartered Retirement Planning CounselorSM , or CRPC® program, is a designation program for financial professionals. This program enables experienced advisors, who are focused on retirement planning for individuals, define a “road map to retirement.” There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning. The designation is awarded by the College for Financial Planning – A Kaplan Company and requires a comprehensive exam as well as 16 hours of continuing education every two years.

The ChFC® designation is a financial planning credential awarded by the American College to individuals who satisfy its educational, work experience and ethics requirements. Recipients of the ChFC® certification have completed at least seven mandatory college-level courses in the areas of financial, insurance, retirement and/or estate planning, as well as income taxation and/or investments. Additionally, recipients have completed at least two elective courses on the financial system, estate planning applications, executive compensation, and/or retirement decisions. In order to maintain the designation, ChFC® holders must satisfy the ongoing requirements of the Professional Achievement in Continuing Education (“PACE”) Recertification Program, which includes 30 hours of continuing education at least every two years.

Certified Investment Management AnalystSM (CIMA®). The CIMA certification signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application. To earn CIMA certification, candidates must: submit an application, pass a background check and have an acceptable regulatory history; pass an online Qualification Examination; complete an in person or online executive education program at an AACSB accredited university business school; pass an online Certification Examination; and have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements and have three years of financial services experience at the time of certification.

CIMA certificate holders must adhere to IMCA’s Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA).

General Disclosures

This website is a publication of Hamilton Capital, LLC (“HC”), an investment adviser registered with the United States Securities and Exchange Commission. Registration does not imply a certain level of skill, or training. This website (“Website”) is limited to the dissemination of general information pertaining to HC's investment advisory services, along with related information, publications, and links. The publication of this Website should not be construed as HC’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized financial planning or investment advice over the Internet.

HC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether directly or indirectly linked to the Website and takes no responsibility for such content. All such information is provided solely for convenience, educational, and informational purposes only. Third-party sites that are directly or indirectly linked to this Website may collect information, including personal information relating to Users’ online activities over time and across different websites and other online services. HC does not control a third-party’s collection or use of personal information or tracking technologies. Access to financial planning applications, calculators, or similar interactive devices do not serve the receipt of, or a substitute for, personalized individual advice from HC, or from any investment professional.

Past performance does not guarantee future results. All financial planning and investment strategies have the potential for profit or loss, and different financial planning strategies, investments, and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific financial plan, investment, or investment strategy, including those recommended by HC, will be profitable or equal any historical performance level. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of HC’s services will vary based upon the client’s individual investment, financial, and tax circumstances. The effectiveness and potential success of a financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions.

Certain portions of the Website (e.g., newsletters, articles, videos, audio files, commentaries, indexes, etc.) may describe HC’s or other professional’s recommendations or positions as of a specific prior date. Due to various factors, including changing market conditions, that information may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up to date, HC does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from HC or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced in the Website content. HC is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation. Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless HC, its members, managers, officers, directors, owners, employees, agents, and affiliates from all adverse consequences resulting from any actions or omissions related to this Website that are independent of receiving personalized individual advice from HC. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.

Home Page Disclosure
Hamilton Capital’s tagline “Everything we do today is about your tomorrow” is not a guarantee of client satisfaction or any particular investment or financial outcome. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the adviser’s services will vary based upon the client’s individual investment, financial and tax circumstances. Past performance does not guarantee future results. All investment comes with risk, including risk of loss.
Neither a financial adviser’s compensation structure, nor their professional credentials or designations, should be viewed as the sole determining factor in obtaining or retaining their services. Please see our disclosure page for further information on the professional designations discussed herein.


About Disclosure
Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the adviser’s services will vary based upon a variety of factors, such as the client’s investment, tax, and financial circumstances and overall objectives. Neither personalized services nor financial or professional resources should be construed as a guarantee of a particular outcome. Past performance, including performance derived from application of time-tested financial planning and investment processes, does not guarantee future results. All investing comes with risk, including risk of loss.

Services Disclosure - Organizations
Neither a financial adviser’s compensation structure, nor their professional credentials or designations, should be viewed as the sole determining factor in obtaining or retaining their services. Please see our disclosure page for further information on the professional designations discussed herein.
The effectiveness and potential success of adviser’s services can depend on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Past performance does not guarantee future results. All investment comes with risk, including risk of loss.

Services Disclosure - Individual
Neither professional designations, recognition, credentials, nor the experience or expertise of a particular adviser should be construed as a guarantee of a particular outcome. Please see our Disclosures page for further information regarding the professional designations and credentials discussed.
Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the adviser’s services will vary based upon the client’s individual investment, financial, and tax circumstances. Continuous consultation and planning indicates timely responsiveness to client communications and requests but does not guarantee on-demand, constant or immediate access to Hamilton Capital, LLC advisory staff. Neither personalized nor specialized services should be construed as a guarantee of a particular outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.  

Team Disclosure
Neither a financial adviser’s compensation structure, nor their professional credentials or designations, should be viewed as the sole determining factor in obtaining or retaining their services. Please see our disclosure page for further information on the professional designations discussed herein.
Personalized services, experience or expertise of a particular adviser should not be construed as a guarantee of a particular outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.