Agreement between User and www.empoweredworth.com
The website (the “Site”) is comprised of various web pages operated by Lowell Financial Group (“DBA : Empowered Worth”). www.empoweredworth.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of site constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
www.empoweredworth.com is an E-Commerce Site.
E-learing website providing personal finance education and coaching. Website also hosts a form for members for discussion and it publishes blogs and hosts podcast.
Visiting www.empoweredworth.com or sending emails to DBA : Empowered Worth constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that DBA : Empowered Worth is not responsible for third party access to your account that results from theft or misappropriation of your account. DBA : Empowered Worth and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
DBA : Empowered Worth does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.empoweredworth.com only with permission of a parent or guardian.
You may cancel your subscription/membership any time. Refund available on online courses up to 30 calendar days after purchase.
Sessions are available for scheduling (Monday -Friday 9am-5pm (EST) and every other Saturday 9am -1pm(EST)
All sessions are confidential
Sessions are in English Only
Sessions are recorded by Empowered Worth
Sessions must be schedule within 3 months of purchase
Complementary session included with valid and active membership.
No refunds for past sessions. For full refund please cancel before session has occurred.
IMPORTANT LOWELL FINANCIAL GROUP DBA: EMPOWERED WORTHTM LEGAL INFORMATION AND DISCLOSURES
The EMPOWERED WORTHTM Education Program (the “Program”) is provided by LOWELL FINANCIAL GROUP (“LFG”) solely for the convenience of authorized users and for educational purposes only. The Program, including all content, information and materials provided therein (collectively, the “Program Materials”), should not be considered as professional or investment advice nor a recommendation or solicitation to buy or sell any product or service. Certain products and services described via the Program and/or the Program Materials may not be available to all users or in all jurisdictions.
The Program and Program Materials are provided only under such circumstances as may be permitted by applicable law and have not been prepared with regard to the specific investment objectives, financial situation or particular needs of any specific person. The Program is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments or to participate in any particular trading strategy. Neither LFG nor its directors, officers, employees or agents are providing or offering any tax, financial or legal advice via the Program or the Program Materials. Users should not construe the Program and/or the Program Materials as offering or providing legal, tax, financial, accounting, regulatory, or other specialist or technical advice or services or investment advice or a personal recommendation.
No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the Program or the materials provided therein, or that of necessary permissions and authorizations from third parties have been obtained in relation to the use of any information or materials provided as a part of the Program, nor are they intended to be a complete statement or summary of the securities markets or developments referred to therein. The Program, including any and all Program Materials, should not be regarded by users as a substitute for the exercise of their own judgment.
Use of TEACHBLE’s website is entirely at the user’s own risk. All users are solely responsible:
(a) for acquiring and maintaining a computer or any other electronic device and equipment that can handle and access the Program and TEACHABLE’S website and all Program Materials, and all other visual content, audio-visual content, text and other functionalities found therein;
(b) for taking adequate and appropriate security measures (including without limitation installing any anti-virus or security software to protect their privacy and protect themselves against spyware, malware and other online attacks and restricting user access rights) to ensure the confidentiality and security of their activities via TEACHABLE’S website and/or the Program Materials; and
(c) for all costs associated with accessing and using EMPOWERED WORTHTM TEACHABLE’s website and all Program Materials.
Neither LFG nor any of its subsidiaries or affiliates, or their respective directors, officers, employees or agents accepts any liability for any loss or damage arising out of the use of all or any part of the Program, EMPOWERED WORTHTM TEACHABLE’S website and/or the Program Materials or reliance upon any information or materials provided through the Program. In particular, under no circumstances will LFG be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of EMPOWERED WORTHTM TEACHABLE’S website and/or the Program Materials, or any other information or materials contained herein.
The EMPOWERED WORTHTM logo is a registered trademark of LFG. Other marks appearing on TEACHABLE’S website may be the trademarks of TEACHABLE or their respective owners.
LFG DBA:EMPOWERED WORTHTM shall have the right to terminate or modify the Program or suspend any user’s access to the Program (or request TEACHABLE to suspend any user’s access to TEACHABLE website), with or without cause, at any time and effective immediately and will not be liable to you or any third party for the termination, suspension or modification of the Program, TEACHABLE’S website, or any claims related to any termination, suspension or modification.
Equity Risk – The value of investments in equity securities will fluctuate in response to general economic conditions and to changes in the prospects of particular companies and/or sectors in the economy.
Fixed Income Risk – The value of the portfolio will fluctuate based on the value of the underlying securities. Two main risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
High-Yield Securities (Junk Bonds) Risk – High-yield securities carry a high degree of risk. High-yield bonds (also known as “junk bonds”) are subject to greater loss of principal and interest, including default risk, than investment grade bonds. Therefore, their prices may be more volatile. Bonds rated ‘BB’ (lower medium grade); ‘B’ (low grade), ‘CCC’ (poor quality), ‘CC’ (most speculative) and ‘D’ (default) are regarded as having significant speculative characteristics.
International Securities Risk – The value of the portfolio will fluctuate based on the value of the underlying securities. Foreign investing involves risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments.
Dividend Paying Stocks – Investing in dividend paying stocks involves risks. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice. A fund’s investment return and principal value will fluctuate with market conditions, and it is possible to lose money.
Diversification and asset allocation – Neither diversification nor asset allocation assures a profit nor protects against loss in declining markets.
Investing – Investment in securities is not without risk.
Preferred stocks – Preferred securities are subject to market value fluctuation given changes in the level of interest rates—rising rates may lead to a decline in value. Adverse changes in the credit quality of the issuer may negatively impact the market value of the securities. Call features may exist that can impact yield. There is no guarantee that an active secondary market will exist for any issue. There are different types of preferred securities, with differing levels of security. Please speak with a Financial Advisor regarding the different types of preferred securities, as well as the risks associated with each type.
Outside Sources – The information contained herein is based on sources believed to be reliable, but its accuracy is not guaranteed.
Wealth Management – Wealth management services in the United States are provided a registered broker/dealer offering securities, trading, brokerage and related products and services.
Taxable Fixed Income – Fixed income securities are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. In general, as prevailing interest rates rise, fixed income securities prices will fall. Bonds face credit risk if a decline in an issuer’s credit rating, or credit worthiness, causes a bond’s price to decline. For more detail on the risks associated with fixed income securities, please speak with a Financial Advisor.
Two main risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. Furthermore, high yield bonds are considered to be speculative with respect to the payment of interest and the return of principal and involve greater risks that higher grade issues.
Taxable Municipal Bonds – The interest on these bonds is not exempt from federal income tax. LOWELL FINANCIAL GROUP DBA EMPOWERED WORTHTM does not provide tax, legal or accounting advice. Clients should seek this advice from tax or accounting professionals. Income from municipal bonds may be subject to state and local taxes and the Alternative Minimum Tax. Call features that impact yield may exist. If sold prior to maturity, investments in municipal securities are subject to gains/losses.
Municipal Bonds – If sold prior to maturity, municipal securities are subject to gains/losses based on the level of interest rates, market conditions and the credit quality of the issuer. Income may be subject to the alternative minimum tax (AMT) and/or state and local taxes based on your state of residence. LOWELL FINANCIAL GROUP DBA EMPOWERED WORTHTM does not provide tax, legal or accounting advice. Please contact your tax advisor regarding the suitability of tax-exempt investments in your portfolio. If sold prior to maturity, municipal securities are subject to gains/losses based on the level of interest rates, market conditions and the credit quality of the issuer. Income may be subject to the alternative minimum tax (AMT)_and/or state and local taxes based on your state of residence.
Mutual Funds – A fund’s prospectus contains more complete information about the fund, including information on investment objectives, risks, charges and expenses and risk factors. Please contact us for a prospectus. The prospectus contains this and other important information that you should read and consider carefully before investing. The value of fund will fluctuate.
An investment in the fund is only one component of a balanced investment plan, and should not be considered to be sufficiently diversified investment program by itself. This is for informational purposes only. It is not a recommendation to buy or sell a particular investment.
Equity Funds – Investors should be willing and able to assume the risks of equity investing. The value of a fund’s portfolio changes daily and can be affected by interest rates, general market conditions and other political, social and economic developments, as well as specific matters relating to the companies in whose securities a fund invests.
Money Market Funds – An investment in the fund is not a bank deposit and is neither secured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. While the fund seeks to maintain the value of your investment at $1.00 per share, you may lose money by investing in the fund.
Bond Funds – Investors should be aware that the fund’s yield and the value of its portfolio fluctuate and can be affected by changes in interest rates, general market conditions and other political, social and economic developments.
Roth – You would have to pay income taxes on the taxable portion of the assets you convert to a Roth IRA.
Tax – LOWELL FINANCIAL GROUP DBA EMPOWERED WORTHTM and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with LOWELL FINANCIAL GROUP DBA EMPOWERED WORTHTM of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.
Certificates of Deposit (CDs) – CDs present certain investment risks that clients should discuss with a Financial Advisor prior to making an investment decision. These risks can include but are not limited to: lower yields, interest rate fluctuation, credit risk, insolvency of the issuer and FDIC coverage limits Redemptions of CDs prior to the maturity date may result in significant loss of principal due to changes in interest rates. Also, the secondary market for CDs may be limited. CDs issued by FDIC–insured institutions are generally eligible for FDIC insurance. For more information regarding FDIC coverage, please consult www.fdic.gov.
Market-Linked CDs – Investing in structured products involves significant risks, such as the credit risk of the issuer, potential downside market risk and limited or no liquidity. Clients should carefully read the detailed explanation of risks, together with other information ion the relevant offering materials.
Hypothetical examples – Examples are for illustrative purposes only and do not convey any information regarding actual circumstances or profits. These examples do not take into account the effect of tax or transaction costs.
Indices – The past performance of an index is not a guarantee of future results. Each index reflects an unmanaged universe of securities without any deduction for advisory fees or other expenses that would reduce actual returns. An actual investment in the securities included in the index would require an investor to incur transaction costs, which would lower the performance results. Indices are not actively managed and investors cannot invest directly in the indices.
Standard & Poor’s 500—(S&P 500)—Covers 500 industrial, utility, transportation and financial companies of the U.S. markets (mostly NYSE issues). It is a capitalization-weighted index calculated on a total return basis with dividends reinvested.
NASDAQ Composite—(NASDAQ Comp)—It is a measure of all NASDAQ National Market System (NASDAQ/NMS) issues, exclusive of warrants, and all domestic common stocks traded in the regular NASDAQ market which are not part of the NASDAQ/NMS. The NASDAQ Composite Index is market value weighted. The representation of each security in the Index is proportional to its last sale price (NASDAQ/NMS) or bid price (regular NASDAQ) times the total number of shares outstanding, relative to the total market value of the Index. Income generated from the issues comprising the Index is not reinvested.
Jones Industrial Average (DJIA) – Is a price-weighted average of 30 blue-chip stocks that are generally the leaders in their industry. It has been a widely followed indicator of the stock market since October 1, 1928. Individuals cannot invest directly in any index.
529 Plans – 529 College Savings Plans are issued by individual states. Tax implications, as well as investment choices, of 529 Plans may vary significantly from state to state. Most states offer their own tuition programs which may provide advantages and benefits exclusively for their residents and taxpayers. By contributing to the plan issued by the state in which the client is a resident, clients may gain state, as well as federal, income tax advantages. However, taxes are only one issue to consider. Different 529 Plans impose different fees, offer different investment approaches, and have a range of past performance records. Withdrawals not used for higher education costs will trigger state and federal tax as well as withdrawal penalties. The ability to withdraw earnings free of federal taxes may be impacted by changes in the tax exemptions. Neither LOWELL FINANCIAL GROUP DBA EMPOWERED WORTHTM nor its Coaches provide tax or legal advice. Clients should be advised to contact their personal tax and/or legal advisors regarding their individual situations.
DOL – We are providing the descriptions in this document to help you understand services or products we may make available to you, or factors that you should generally consider when deciding whether to engage in any transaction, service or product. Please note that it is important that you evaluate this material and exercise independent judgment when making investment decisions. This information, including any description of specific investment services or products, is marketing material and is solely for the purposes of discussion and for your independent consideration. It should not be viewed as a suggestion or recommendation that you take a particular course of action or as the advice of an impartial fiduciary.
This publication is not intended as an offer, or a solicitation of an offer, to buy -or sell any investment or other specific product. You should seek appropriate professional advice regarding the matters discussed in this publication in light of your specific situation. The information contained in this publication is based on information provided from third-party sources, but its accuracy cannot be guaranteed.
EMPOWERED WORTHTM TEACHABLE Inc. 2019
Content is for educational purposes only and should not be considered professional or investment advice.