MyFedLife Disclosures

1. MyFedLife.com is not affiliated with or endorsed by the federal government.

2. Information is based on sources deemed to be reliable. Government rules and regulations are subject to change at any time. All investment strategies have the potential for profit or loss.

3. The content of this website is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Howard Capital Management is not engaged in the practice of law or accounting.

4. MyFedLife is a service offered by Howard Capital Management, an SEC-registered investment adviser which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses.


TSP Navigator Disclosures

We have deducted all the advisory fees from any performance-related chart.

Howard Capital Management is registered with the SEC and only transacts business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability.

Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor’s portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark.

Back testing involves a hypothetical reconstruction, based on past market data, of what the performance of a particular account would have been had the adviser been managing the account using a particular investment strategy. Performance results presented do not represent actual trading using client assets but were achieved through retroactive application of a model that was designed with the benefit of hindsight. Back tested performance results have inherent limitations, particularly the fact that these results do not represent actual trading and may not reflect the impact that material economic and market factors might have placed on the adviser’s decision-making if the adviser were actually managing the client’s money. These results should not be viewed as indicative of the adviser’s skill and do not reflect the performance results that were achieved by any particular client. During this period, the adviser was not providing advice using this model and clients’ results were materially different. The model that gave rise to these back tested performance results is one that the adviser is now using in managing clients’ accounts. Hypothetical performance returns are presented net-of-fees and reflect the reinvestment of dividends and capital gains.

Stock photos were used to enhance this website. None of them are photographs of current or former clients.

Howard Capital Management, Inc. (Howard CM) offers its investment methodology through multiple programs that may invest in exchange traded funds, variable annuities and mutual funds. There is no certainty that any investment or strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or successful in achieving investment objectives. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance.

An investor should carefully consider investment objectives, risks, charges and expense before investing in an Exchange Traded Fund. This information and more complete information, including potential risks, is included in each Exchange Traded Fund prospectus, which can be obtained from your financial professional. Read the prospectus carefully before investing.

Exchange traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. There are unique potential risks associated with the specific asset classes that each exchange traded fund represents. Investments in smaller companies typically exhibit higher volatility. In addition to the normal risks associated with investing, narrowly focused investments typically exhibit higher volatility. Bonds and bond funds will decrease in value as interest rates rise. Commodities markets have historically been extremely volatile. Inverse funds should lose money when their benchmark indexes rise—a result that is opposite from traditional mutual funds. Inverse funds also entail certain risks, including inverse correlation, leverage, market price variance and short sale risks. Investments in foreign investments generally incur greater risks than domestic investments. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. You should carefully consider the risk, charges and expenses of an exchange traded fund prior to investing. This and other important information can be found in the product’s prospectus. Past Performance is no guarantee of future results.

Not every HCM-BuyLine® buy and sell will result in a profitable trade. There will be times when following the indicator results in a loss. However, there have been situations in the past in which HCM reduced clients’ exposure to equities during market downturns by following an HCM-BuyLine® signal, thereby preserving capital. An important goal of the BuyLine® is to outperform the market on a long-term basis. The reason is the mathematics of gains and losses. A portfolio which suffers a 30% loss takes a 43% gain to return to the previous portfolio value.

The HCM-BuyLine® is a reactive indicator, not a proactive one. It will not catch the first 5–10% of a bull or bear market. Ideally, it will avoid most of the downtrends and catch the vast bulk of the uptrends. There may be times when the use of the indicator will result in a loss when we re-enter the market. Other times there may be a modest positive impact. When severe downtrends occur, however, such as in 2000-2002 and 2007-2008, it has the potential to make a significant difference in portfolio performance.

Naturally, there can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated.

Stoploss protection will not necessarily contain your losses in the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price.


TSPN Social Media Policy

TSP Navigator (TSPN) maintains profiles and/or pages on various social media sites including Facebook, Twitter, LinkedIn, and Google+. TSPN’s social media profiles and/or pages are provided for informational purposes only and nothing contained in these sites should be construed as an offer to sell or the solicitation of an offer to purchase an interest in any security or separate account managed or advised by TSPN. Nothing on these websites is intended to be, and you should not consider anything in these websites to be, investment, accounting, tax, or legal advice. Please consult with a qualified professional regarding your individual circumstances and needs.

TSPN believes the information provided is current as of the date of publication (or other date referenced). Although this material is based upon information that TSPN considers reliable and strives to keep current, TSPN does not assure that this material is accurate, current or complete, and it should not be relied upon as such. Any opinions expressed on this website may change as subsequent conditions vary. TSPN has no obligation to update any of this information. Past performance is no guarantee of future results. All investments involve risks and may lose value.

TSPN may monitor postings by third parties on its profiles and pages and reserves the right to remove and moderate comments. Comments and opinions posted by users are the sole responsibility of the person who posted them. TSPN does not endorse any content, opinions, advertisements, or recommendations offered by users or other third-parties, and such content does not necessarily represent the views of TSPN.

Please do not provide any specific account details or personal information on TSPN public social media sites. TSPN is not responsible for the terms of use or policies of any social media sites on which it maintains a profile or page, or any third-party sites to which these sites may be linked. You use any third-party site at your own risk.

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