General Firm & Legal Disclosures
We value transparency.
In accordance with required laws and regulations, below you find a list of general firm and legal disclosures for our firms that you should be aware of. If you have any questions regarding any of these disclosures, please contact us.
Disclosures
General Firm Disclosures
The information on this site or in emails is designed for educational purposes only. Content on this website regarding financial planning, investment, tax, or legal topics should not be relied upon, standing alone or without the guidance of a capable professional, to support personalized decision-making by or affecting individual clients.​
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The firm only conducts business in states where it is properly registered or is excluded from registration requirements. The information presented is believed to be current. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein.
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We are not affiliated with, or endorsed by, any government or regulatory agency.
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"Meritum Advisors" is a Doing-Business-As (DBA) or marketing name for Meritum Wealth Management LLC, a Registered Investment Advisor (RIA) Firm. Meritum Wealth Wealth Management LLC, Meritum Tax Advisors LLC, and The Zois Group LLC are all separate entities and businesses.
Investment & Planning Disclosures
Investment advisory services are offered through Meritum Wealth Management LLC, a Registered Investment Adviser. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities product, service, or investment strategy. All investments have the potential for profit or loss. Investments involve risk and unless otherwise stated, are not guaranteed. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. ​​
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For more information please reference our firm's ADV filing here, or visit FINRA's BrokerCheck here.
Insurance Disclosures
Insurance products and policies are sold through The Zois Group LLC, an independently owned insurance agency licensed in Ohio, Kentucky, Indiana, Illinois, Tennessee, Texas, and Florida,
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Life insurance and annuity products are subject to the claims-paying ability of the issuing insurance company and are not backed by any government, regulatory, or banking institution. Not FDIC or SPIC insured.
Tax Disclosures
Tax preparation, filing, and advisory services are offered through Meritum Tax Advisors LLC, an independently owned tax services firm.