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   DISCLAIMER
Investment advisory services are offered by Financial Management Network, Inc.(“FMN”) and securities offered through FMN Capital Corporation, (“FMNCC”), member FINRA & SIPC. Securities are not FDIC-Insured, are not bank-guaranteed, may loose value.   FMN and FMNCC may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. The purpose of this web site is for information distribution on products and services. Information herein is taken from sources deemed reliable and neither FMN nor FMNCC are responsible for any errors that might occur. Any communications with prospective clients residing in states or international jurisdictions where FMN or FMNCC and their registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Insurance related services from FMN or FMNCC may not be provided to individuals residing in any states other than CA, CO, CT, FL, KS, NC, OR, WA and WI (for FMN) or  AZ, CA, CO, CT, FL, GA, IA, KS, MA, MO, NV, NC, ND, NY, OR, TX, and WA (for FMNCC). 
 
Securities related services from FMNCC may not be provided to individuals residing in any states other than AK, AZ, AR, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, MA, MI, MN, MS, MO, MT, ND, NM, NJ, NY, NV, NC, OH, OK, OR, PA, SC, SD, TX, UT, VA, WA, WI and VI.  The information you submit on the calculator pages may not be secure.  Please do not submit any information that must remain private. The financial calculator results shown represent analysis and estimates based on the assumptions you have provided, but they do not reflect all relevant elements of your personal situation. The actual effects of your financial decisions may vary significantly from these estimates--so these estimates should not be regarded as predictions, advice, or recommendations. Neither FMN nor FMNCC provide legal or tax advice.  Be sure to consult with your own tax and legal advisors before taking any action that would have tax consequences.  Neither FMN nor FMNCC assisted in the preparation of this material, and its accuracy and completeness are not guaranteed. The opinions expressed are those of the author(s) and are not necessarily those of FMN, FMNCC or their affiliates. The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy.

Privacy Policy

Effective Date: July 1, 2004

We are committed to protecting your privacy.  Our website is a great way to find out more about our services, access informative articles, market information and financial calculators.  We will not collect any personal, identifiable information without your knowledge.

Identifiable information can be broken up into two categories, personal and non-personal information.

Non-personal information

Our site creates a temporary data file commonly known as a cookie, which allows you to view some of our disclosure information.  It may also track the areas of our website that you visit. However, when you close your browser this cookie is automatically deleted from your system.  We may collect information regarding the internet provider from which you are connecting to our site, such as AOL or MSN.  We may also track the website from which you linked to our site.  This information is used statistically and not to identify individuals.

Personal information

You can visit the site and remain anonymous by not providing any personal information. However, you may choose to share this information by completing applications, online forms or requesting that we contact you.  Personal information includes, but is not limited to name, address, phone number, and email address. All forms are located in secured areas of our website.

When using secure areas of this website to provide or access your personal information, the information is encrypted, making it indecipherable to third parties.  Your browser will indicate that you are in a secure area by displaying a locked padlock in the bottom of the screen.  Internet connections cannot be guaranteed to be 100% secure.  We have taken all reasonable measures to protect the information entered and accessed on the website.  However, we cannot be liable for unintentional disclosure of information.

Sharing information

Your personal information will not be sold, or shared with unaffiliated third parties unless there is a need to disclose information to process a transaction or when the law requires it.  Information collected will be emailed directly to us and will be used to provide you with more value, better service, or process a transaction for you.  Other sites linked to this site are not covered under this privacy agreement.

Changes to this policy

Future changes may be made to our privacy policy.  If you are a client, we will not make any change without first sending you a revised policy.  Those changes will also be addressed on this website, which reflects the current privacy policy.


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