Securities Risk Disclosures
Securities Risk Disclosures
Securities Risk Disclosures
Last Updated: July 29, 2026
Last Updated: July 29, 2026
The information provided by Retired.com should not be interpreted or construed as investment, tax, or legal advice. It also does not constitute a recommendation, an offer to sell, or a solicitation to buy securities.
All customer accounts are self-directed. Accordingly, unless Retired.com clearly identifies a communication as an individualized recommendation, customers are solely responsible for any and all orders placed in their accounts and understand that all orders entered by them are based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Retired.com agrees that, unless otherwise agreed to in writing, neither Retired.com nor any of its employees, agents, principals or representatives (i) provide investment advice in connection with a customer account; (ii) recommend any security, transaction or order; (iii) solicit orders; (iv) act as a market maker in any security; (v) make discretionary trades; or (vi) produce or provide research. To the extent research materials or similar information is available through Retired.com, these materials are intended for informational and educational purposes only and they do not constitute a recommendation to enter into any securities transactions or to engage in any particular investment strategies.
The information provided by Retired.com should not be interpreted or construed as investment, tax, or legal advice. It also does not constitute a recommendation, an offer to sell, or a solicitation to buy securities.
All customer accounts are self-directed. Accordingly, unless Retired.com clearly identifies a communication as an individualized recommendation, customers are solely responsible for any and all orders placed in their accounts and understand that all orders entered by them are based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Retired.com agrees that, unless otherwise agreed to in writing, neither Retired.com nor any of its employees, agents, principals or representatives (i) provide investment advice in connection with a customer account; (ii) recommend any security, transaction or order; (iii) solicit orders; (iv) act as a market maker in any security; (v) make discretionary trades; or (vi) produce or provide research. To the extent research materials or similar information is available through Retired.com, these materials are intended for informational and educational purposes only and they do not constitute a recommendation to enter into any securities transactions or to engage in any particular investment strategies.
1. GENERAL
1. GENERAL
Securities trading is complex and carries substantial risk of loss. Past performance is not indicative of future results. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in securities you should consider your overall financial situation, how much money you have to invest, your need for liquidity, your tolerance for risk and consult the information available from the Securities Exchange Commission (SEC) at www.sec.gov and the Financial Industry Regulatory Authority (FINRA) at finra.org. You can also review the filings of public companies at the SEC’s EDGAR page.
You acknowledge that you have completed your own due diligence and understand the risks associated with trading in and that you accept those risks. While the following is a listing of some of those risks, it is not presented as, nor should it be construed as a complete listing of potential risks.
Securities trading is complex and carries substantial risk of loss. Past performance is not indicative of future results. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in securities you should consider your overall financial situation, how much money you have to invest, your need for liquidity, your tolerance for risk and consult the information available from the Securities Exchange Commission (SEC) at www.sec.gov and the Financial Industry Regulatory Authority (FINRA) at finra.org. You can also review the filings of public companies at the SEC’s EDGAR page.
You acknowledge that you have completed your own due diligence and understand the risks associated with trading in and that you accept those risks. While the following is a listing of some of those risks, it is not presented as, nor should it be construed as a complete listing of potential risks.
2. RISK OF STOCK AND ETF INVESTMENTS
2. RISK OF STOCK AND ETF INVESTMENTS
Illiquidity: Some investments in stock cannot easily be sold or converted to cash. Check to see if there is any penalty or charge if you must sell an investment quickly.
Loss of Principal: Investing in stock involves risk of loss. Unlike a bank deposit, the money you invest in stock is not guaranteed, and you may lose part or all of the principal amount you invested. Fluctuations in market price, company performance, or broader economic conditions can reduce or eliminate the value of your investment. You should only invest amounts you can afford to lose and should carefully consider your financial situation and risk tolerance before investing.
Limited Operating History: Investments in stock issued by a company with little or no operating history or published information involves greater risk than investing in a public company with an operating history and extensive public information.
No FDIC/SIPIC Coverage: Stock investments are not federally insured against a loss in market value.
Corporate Action Risk: Stock you own may be subject to tender offers, mergers, reorganizations, or third-party actions that can affect the value of your ownership interest. Pay careful attention to public announcements and information sent to you about such transactions. They involve complex investment decisions. Be sure you fully understand the terms of any offer to exchange or sell your shares before you act. In some cases, such as partial or two-tier tender offers, failure to act can have detrimental effects on your investment.
ETF Risk: Investors should consider the investment objectives and unique risk profile of an ETF carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third-party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences.
Illiquidity: Some investments in stock cannot easily be sold or converted to cash. Check to see if there is any penalty or charge if you must sell an investment quickly.
Loss of Principal: Investing in stock involves risk of loss. Unlike a bank deposit, the money you invest in stock is not guaranteed, and you may lose part or all of the principal amount you invested. Fluctuations in market price, company performance, or broader economic conditions can reduce or eliminate the value of your investment. You should only invest amounts you can afford to lose and should carefully consider your financial situation and risk tolerance before investing.
Limited Operating History: Investments in stock issued by a company with little or no operating history or published information involves greater risk than investing in a public company with an operating history and extensive public information.
No FDIC/SIPIC Coverage: Stock investments are not federally insured against a loss in market value.
Corporate Action Risk: Stock you own may be subject to tender offers, mergers, reorganizations, or third-party actions that can affect the value of your ownership interest. Pay careful attention to public announcements and information sent to you about such transactions. They involve complex investment decisions. Be sure you fully understand the terms of any offer to exchange or sell your shares before you act. In some cases, such as partial or two-tier tender offers, failure to act can have detrimental effects on your investment.
ETF Risk: Investors should consider the investment objectives and unique risk profile of an ETF carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third-party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences.
The above summary is not a complete list of the risks and other important disclosures involved in investing in securities. There may be additional risks that we have not foreseen or identified. For a more comprehensive understanding, review all governing documents, including our Terms of Service and Customer Transaction Disclosure, and stay informed about the latest terms and policies. Significant changes in our terms, fee structures, or regulations will be communicated through our official channels.
You should carefully assess whether your financial standing and tolerance for risk are suitable for buying or selling securities.
The above summary is not a complete list of the risks and other important disclosures involved in investing in securities. There may be additional risks that we have not foreseen or identified. For a more comprehensive understanding, review all governing documents, including our Terms of Service and Customer Transaction Disclosure, and stay informed about the latest terms and policies. Significant changes in our terms, fee structures, or regulations will be communicated through our official channels.
You should carefully assess whether your financial standing and tolerance for risk are suitable for buying or selling securities.
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Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.
Stocks
Precious Metals
Call us
Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.
Stocks
Precious Metals
Call us
Retired.com, LLC (“Retired.com”) is a technology platform that connects users with third-party custodians, digital wallet providers, cryptocurrency platforms, brokerage providers, and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment adviser, and does not provide investment, legal, or tax advice.
Investment advisory services offered through Retired Advisory, LLC, an SEC-registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired.com, LLC, Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly owned subsidiaries of WAO Fintech, LLC.
Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.
Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented is reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.
© 2026 Retired.com. All rights reserved. Retired.com™ and the Retired.com Logo are trademarks of Retired.com, LLC. All other trademarks and logos are the property of their respective owners.