Important Disclosures

Recognition, News, and Events

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
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
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
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.

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.

Our Privacy Policy

HAMILTON CAPITAL, LLC

Privacy Policy

Hamilton Capital, LLC (“Hamilton Capital,” “we,” “us,” or “our”) is an investment adviser registered with the Securities and Exchange Commission (“SEC”). We are committed to protecting the privacy of individuals who visit our website located at www.HamiltonCapital.com (the “Site”).

This Website Privacy Policy explains what information we collect through the Site, how we use and share it, your rights and choices regarding that information, and how to contact us. This policy applies to general visitors to the Site, including prospective clients and members of the public. It does not apply to services provided to existing investment advisory clients, which are separately governed by our Regulation S-P Privacy Notice.

By using the Site, you acknowledge that you have read and understood this policy.

 

Information We Collect

A. Information You Provide Voluntarily
We collect information you choose to provide when you:

• Submit a contact or inquiry form
• Request information about our services
• Register for a webinar or event
• Subscribe to email communications
• Respond to a survey or questionnaire

The types of personally identifiable information (“PII”) we may collect in these contexts include your name, email address, phone number, city, employer, and any other information you choose to include in your message or form submission.

B. Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect certain technical and usage information, including:

• Anonymized usage data generated from your interactions with our website.

This information is collected using cookies and similar tracking technologies, as described in Section 4 below. It does not, by itself, identify you personally, but may be combined with other information that does.

C. Information We Do Not Collect
We do not knowingly collect sensitive personal information through the Site, such as Social Security numbers, financial account numbers, or health information. Do not submit such information through any Site contact form or inquiry.

 

How We Use Your Information

Hamilton Capital collects your data so that we can:

• Respond to your inquiries and requests
• Manage your account
• Send you event confirmations, reminders, and follow-up communications
• Administer and improve the website, including analyzing usage patterns and diagnosing technical problems
• Contact you by email or telephone calls regarding updates or information related to your relationship with us.
• Comply with applicable legal and regulatory requirements
• Protect the security and integrity of the Site

We do not use Site-collected information for automated decision-making or profiling that produces legal or similarly significant effects.

 

Cookies and Similar Technologies

We use cookies and similar technologies (such as web beacons and pixel tags) to operate and improve the Site. Cookies are small text files stored on your device that allow us to recognize your browser across visits and gather usage information.

Types of Cookies We Use

• Essential Cookies: Required for the Site to function. Disabling them may impair Site functionality.
• Analytics Cookies: Help us understand how visitors interact with the Site (e.g., which pages are most visited, how long visitors stay). We may use services such as Google Analytics for this purpose.
• Preference Cookies: Remember your settings and preferences across visits.
• Marketing Cookies: May be used to deliver relevant content or measure the effectiveness of communications. We will request your consent before placing non-essential marketing cookies where required by applicable law.

Your Cookie Choices
Most browsers allow you to refuse or delete cookies through their settings. Doing so may affect Site functionality. You may also opt out of Google Analytics data collection by installing the Google Analytics Opt-Out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout.

Do Not Track Requests
While some internet browsers offer a “do not track” or “DNT” option that lets you tell websites that you do not want to have your online activities tracked, these features are not yet uniform and there is no common standard adopted by industry groups, technology companies, or regulators. Therefore, we do not currently commit to responding to browsers’ DNT signals with respect to our websites.

 

How We Share Your Information

We do not sell your personally identifiable information to third parties. SMS opt-in data and consent are not shared with third parties or affiliates. We do not disclose your PII for third-party direct marketing purposes without your consent.

We may share your information in the following limited circumstances:

• Service Providers: We may share information with vendors and service providers who assist us in operating the Site, hosting content, delivering email communications, conducting analytics, or providing webinar platforms. These parties are contractually obligated to use your information only as necessary to provide services to us and to maintain appropriate security measures.
• Legal and Regulatory Requirements: We may disclose information if required to do so by law, regulation, court order, or in response to a lawful request by a governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of Hamilton Capital, our clients, or others.
• Professional Advisers: Consistent with Regulation S-P (§§ 248.13–248.15), we may disclose information to attorneys, accountants, auditors, and compliance assessors under appropriate confidentiality obligations.
• Business Transfers: In the event of a merger, acquisition, asset sale, or similar corporate transaction, your information may be transferred to the successor entity, subject to the same privacy commitments described in this policy.

We require all third-party recipients of your information to maintain appropriate data security measures and to use your information only for the purposes for which it was disclosed.

Data Retention

We retain personal information collected through the Site for as long as necessary to fulfill the purposes described in this policy, comply with applicable legal and regulatory obligations (including applicable books-and-records requirements under the Investment Advisers Act of 1940), and resolve disputes. When information is no longer needed, we dispose of it in a manner designed to protect against unauthorized access, consistent with our data disposal obligations under Regulation S-P.

Security

Hamilton Capital maintains a written information security program that includes administrative, technical, and physical safeguards designed to protect personally identifiable information from unauthorized access, use, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption of data in transit, access controls, and employee training on data handling.

In the event of a security incident involving your sensitive personal information, we will notify affected individuals in accordance with applicable federal and state law, including our obligations under amended Regulation S-P.

No transmission of information over the internet is completely secure. While we work to protect your information, we cannot guarantee the security of information you transmit to us through the Site.

 

Children’s Privacy

The Site is not directed to children under the age of 13, and we do not knowingly collect personally identifiable information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us and we will promptly delete it.

 

Notice to California Residents

If you are a California resident, the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, “CCPA/CPRA”), provides you with specific rights regarding your personal information.

Categories of Information Collected
In the preceding 12 months, we have collected the following categories of personal information from Site visitors: identifiers (name, email, IP address); internet or other electronic network activity information (browsing behavior on the Site); and geolocation data (city-level, derived from IP address).

Your California Rights
Subject to certain exceptions, California residents have the right to:

• Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purposes for which it was collected, and the categories of third parties with whom it was shared.
• Delete: Request deletion of personal information we have collected from you, subject to certain exceptions.
• Correct: Request correction of inaccurate personal information we maintain about you.
• Opt Out of Sale or Sharing: We do not sell your personal information or share it for cross-context behavioral advertising as those terms are defined under the CCPA/CPRA.
• Limit Use of Sensitive Personal Information: We do not use or disclose sensitive personal information beyond the purposes authorized by the CCPA/CPRA.
• Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

How to Exercise Your California Rights
To submit a California privacy request, contact us. We may need to verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf.

Notice to Nevada Residents

Nevada Revised Statutes Chapter 603A allows Nevada residents to opt out of the “sale” of certain personal information. We do not sell personal information about Nevada residents as defined under Nevada law. If you have questions about our compliance, please contact us.

Notice to European Economic Area, United Kingdom, and Swiss Residents

If you are located in the European Economic Area (“EEA”), the United Kingdom (“UK”), or Switzerland, this section applies to you in addition to the rest of this policy.

Legal Basis for Processing
We process your personal data on the following legal bases:

• Legitimate Interests: Operating and improving the Site, responding to inquiries, and conducting analytics – where those interests are not overridden by your rights and interests.
• Consent: Where we rely on your consent (e.g., for non-essential cookies or marketing emails), you may withdraw it at any time without affecting the lawfulness of prior processing.
• Legal Obligation: Where processing is necessary to comply with a legal obligation.

International Data Transfers
If you are located in the EEA, UK, or Switzerland, your personal data will be transferred to and processed in the United States. The United States may not provide a level of data protection equivalent to that in your jurisdiction. Where required, we rely on appropriate safeguards for such transfers, including Standard Contractual Clauses approved by the European Commission, or other mechanisms recognized under applicable law.

Your EEA/UK Rights
Subject to applicable law, you may have the right to access, rectify, erase, restrict, or object to the processing of your personal data, the right to data portability, and the right to lodge a complaint with a supervisory authority. To exercise these rights, contact us using the information in Section 13.

Updates to This Policy

We may update this Website Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Updated” date at the top of this policy and, where appropriate, provide additional notice (such as a prominent statement on the Site). Your continued use of the Site following any update constitutes your acceptance of the revised policy.

We encourage you to review this policy periodically to stay informed about our information practices.

Contact Information

If you have questions, concerns, or requests regarding this Website Privacy Policy, or wish to exercise any rights described herein, please contact:

Hamilton Capital, LLC
Tony Strotman, Director of Compliance
5025 Arlington Centre Blvd., Suite 300
Columbus, OH 43220
Email: [email protected]
Phone: (614) 273-1000