Important Disclosure Information

This website (“Website”) is a publication of FJY Financial, LLC d/b/a FJY Financial (“FJY Financial”), which is an SEC registered investment adviser with a principal office location in Reston, Virginia. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that FJY Financial has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information pertaining to FJY Financial’s advisory services, together with access to additional financial planning and investment-related information, publications, and links. Accordingly, the publication of this Website should not be construed by any client or prospective client as FJY Financial’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Any subsequent, direct communication by FJY Financial with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration as applicable. For information pertaining to the registration status of FJY Financial, please visit www.adviserinfo.sec.gov or contact the SEC or the state securities regulators for those states in which FJY Financial maintains a notice filing. Each user of this Website (“User”) is encouraged to obtain a copy of FJY Financial’s current written disclosure statement discussing FJY Financial’s business operations, services, fees, and applicable conflicts of interest, which is available from FJY Financial upon request or by searching for FJY Financial at the following link: www.adviserinfo.sec.gov.

All materials contained on this Website are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written permission of FJY Financial. Users may not alter or remove any trademark, copyright or other notice from copies of the content.

Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless FJY Financial, its members, managers, officers, directors, owners, employees, agents, and affiliates from any and all adverse consequences resulting from any actions or omissions that are independent of receiving personalized individual advice from FJY Financial.  The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.

Hyperlinks on this Website are provided as a convenience. FJY Financial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information, view, opinion, or position prepared by any unaffiliated third party (including guest bloggers), whether linked to the Website or incorporated herein, and takes no responsibility for the same. The copyright of this content belongs to the author and any liability with regards to infringement of intellectual property rights remains with them. All such information is provided solely for convenience, educational, and informational purposes only, and all Users are guided accordingly.

To the extent that any User accesses any economic calculator or similar interactive device contained within or linked to the Website, the User acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from FJY Financial, or from any other investment professional.

Past performance is not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by FJY Financial), will be profitable or equal any historical performance level(s). All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, and rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’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, which would decrease historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.

Any index performance data appearing or referenced on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index for comparison purposes only. FJY Financial makes no warranty, express or implied, for any decision taken by any party in reliance upon such indices. Investors cannot invest directly in an index.

Certain portions of the Website (e.g. newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to FJY Financial’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, these discussions may no longer be reflective of current position(s) and/or recommendation(s). While information presented is believed to be factual and up-to-date, FJY Financial does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from FJY Financial or from any other investment professional. Users should not use any Website content as the sole basis for any investment decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. FJY Financial is neither a law firm nor an accounting firm. Any tax and estate planning information provided is general in nature and is to be used for informational purposes only. It should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.

Photos and images on this Website are not of past or present clients of FJY Financial. These photos should not be construed as an endorsement of FJY Financial or its representatives by any client.

Awards, Rankings, Ratings, Designations, and other Recognition

Awards, rankings, ratings, designations, and other recognition by unaffiliated rating services, entities, and/or publications referenced by FJY Financial (“Awards”) are limited to participating advisers. The receipt of any Award by FJY Financial or any of its representatives is not indicative of investment performance and should not be construed as a guarantee that client or prospective client will experience a certain level of investment performance or any other result if FJY Financial is engaged, or continues to be engaged to provide services. The receipt of any Award should not be construed as a current or past endorsement of FJY Financial or its representatives by any clients. The Awards are not representative of any one client’s experience because of the way in which they are calculated. The Awards generally base their selections on information submitted by the recognized adviser or peers in the investment advisory or related industries. By virtue of disclosing any rankings, FJY Financial is disclosing favorable ratings (to the extent that FJY Financial or its representatives are ranked above other advisers) and unfavorable ratings (to the extent that FJY Financial or its representatives is ranked below other advisers). FJY Financial and/or its representatives applied for consideration for each Award. All Awards are independently granted. FJY Financial is not affiliated with the listed entities, publications, or their affiliates that issue the Awards. FJY Financial is unaware of any undisclosed facts that could potentially invalidate the appropriateness of any Award. Based on the stated methodology for each Award, advisers are not identified if their respective ratings are not statistically valid. Please also particularly note the following with respect to the Awards referenced on this Website or in other FJY Financial publications or communications, which is provided to the best of FJY Financial’s knowledge:

Northern Virginia Magazine’s 2019 Top Financial Professionals

Awards, rankings, ratings, and/or recognition by unaffiliated rating services and/or publications are absolutely not indicative of FJY Financial, LLC’s d/b/a FJY Financial (“FJY’s”) future performance, should not be construed as a guarantee that client or prospective client will experience a certain level of results if FJY is engaged, or continues to be engaged to provide services, nor should it be construed as a current or past endorsement of FJY Financial by any of its clients. Northern Virginia Magazine’s (“NOVA’s”) 2019 “Best Financial Advisers” list categorizes designees as one or more of the following: “Financial Planner,” “Investment Adviser,” “Insurance Adviser,” “Broker,” “Estate Attorney,” and/or “Tax Accountant”. The publication surveys thousands of industry experts and asks them to identify the leaders in the field. NOVA currently grants its “Top Financial Planners” designation based upon other professionals’ responses to the following question about their peers, which NOVA sent to over 1,500 financial and fiduciary firms: “If you had a close friend or relative who needed financial planning advice, and you could not handle the case yourself, to whom would you refer them?” The specific question that NOVA promulgates in this respect may vary from year-to-year. FJY applied to NOVA to receive the designation, which was independently granted. The number of professionals nominated for the designation varies from year to year. In 2019: Jon Yankee was listed under the “Financial Planner” and “Investment Adviser” designations; Alan Ness was listed under the “Financial Planner” designation; and Suzanne Alexis Grason was listed under the “Broker,” “Financial Planner,” “Insurance Adviser,” and “Investment Adviser” designations. However, Ms. Grason is no longer a registered representative of a broker-dealer and therefore, she should not be considered under the “Broker” designation. FJY is not aware of the total number of nominations NOVA received before granting the designations. Winner selection is based on the number of votes received, although NOVA examines each vote to remove any suspect votes before finalizing the tally. All candidates are then vetted to ensure they are in good standing before being confirmed with the designation by reviewing whether the candidates are active in Northern Virginia, and whether they are or have been subject to disciplinary actions that would potentially invalidate the nomination. By considering the disciplinary actions, NOVA seeks to ensure that a participating nominee has an established and significant history and record free from regulatory sanctions. FJY has not paid a fee to be eligible for the award designation. However, FJY paid a fee to NOVA in exchange for a commemorative plaque. While FJY paid this fee after receiving the designation and not as a condition precedent to receiving it, the fact that FJY paid any fee with respect to its receipt of the designation should be considered if the designation is a factor in a client or prospective client’s evaluation of whether to initially engage or continue to engage FJY to provide services. FJY is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the designation. This award designation: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses because it is not based upon information provided by FJY’s clients. To the best of FJY’s knowledge, NOVA does not provide the award designation if the survey responses are not statistically valid. NOVA is not affiliated or related to FJY in any way.

Northern Virginia Magazine’s Top Financial Professionals (2018, 2016, 2015, 2014, 2013)

FJY Financial Partner and Senior Financial Advisor, Laurie A. Belew was recognized for this Award in 2013, 2014, and 2015.

FJY Financial Partner and Senior Financial Advisor, Jon P. Yankee was recognized for this Award in 2013, 2014, 2015, 2016, 2017, and 2018.

FJY Financial Senior Financial Advisor, Alan Ness was recognized for this Award in 2018.

As of 2018: NOVA granted its “Top Financial Planners” Award designation based upon other professionals’ responses to the following question about their peers, which NOVA sent to over 1,500 financial and fiduciary firms: “If you had a close friend or relative who needed financial planning advice, and you could not handle the case yourself, to whom would you refer them?” The specific question that NOVA promulgates in this respect may vary from year-to-year, and the number of professionals nominated for the designation varies from year to year. In 2018, 97 professionals received the designation in their capacities as brokers, financial planners, insurance advisers, investment advisers, and tax accountants. FJY Financial is not aware of the total number of nominations NOVA received before granting the designations. Winner selection is based on the number of votes received, although NOVA examines each vote to remove any suspect votes before finalizing the tally. All candidates are then vetted to ensure they are in good standing before being confirmed with the designation by reviewing whether the candidates are active in Northern Virginia, and whether they are or have been subject to disciplinary actions that would potentially invalidate the nomination. By considering the disciplinary actions, NOVA seeks to ensure that a participating nominee has an established and significant history and record free from regulatory sanctions. FJY Financial has not paid a fee to be eligible for the Award designation.  However, FJY Financial or its representatives may have paid fees in exchange for plaques, logo licensing, or article reprints commemorating the Award. The fee would have been paid after receiving the Award and not as a condition precedent to receiving it. However, the fact that any fee is paid with respect to receipt of the Award should be considered if the Award is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage FJY Financial for investment advisory services. This Award: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses.

The Greater Reston Chamber of Commerce Award for Chamber Excellence (“ACE”) Nomination for “Young Professional of the Year” (2018) and “Young Professional of the Year” (2019)

FJY Financial, Financial Advisor, Kelly McNerney was nominated for this Award in 2018 and 2019. She received the “Young Professional of the Year” Award designation in 2019.

Each year, the Greater Reston Chamber of Commerce (“GRCC”) recognizes outstanding businesses, volunteers and committees that are leaders in their industry and support the mission of GRCC through the presentation of awards. Neither FJY Financial nor any other participating advisers paid a fee to be eligible for this Award. However, GRCC only selects Award designees from its members who pay membership fees. FJY Financial or its representatives may also have paid fees in exchange for plaques, logo licensing, or article reprints commemorating the Award. The fee would have been paid after receiving the Award and not as a condition precedent to receiving it. The fact that any fees are paid with respect to receipt of the Award should be considered if the Award is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage FJY Financial for investment advisory services. In 2018, GRCC recognized seven nominees and ultimately selected one final designee. In 2019, GRCC recognized six nominees and selected Kelly McNerney as the final designee for the “Young Professional of the Year” Award.

The nomination list and final award list is available at the following links: https://www.restonchamber.org/events/details/annual-meeting-and-awards-for-chamber-excellence-ace-luncheon-06-28-2018-4165; https://www.restonnow.com/2018/07/02/greater-reston-chamber-of-commerce-recognizes-ace-winners/; https://chambermaster.blob.core.windows.net/userfiles/UserFiles/chambers/3120/File/PDFs/18ACEwinnersPressRelease.pdf.

2015 Schwab Pacesetter IMPACT Award

Established in 2006 by Charles Schwab & Co., Inc. (“Schwab”), the IMPACT Awards honor firms that have advanced the industry and have achieved success through exemplary business practices.

One winner is selected for each of the following Awards: (I) Best-in-Business; (2) Best-in-Retirement; (3) Pacesetter; and (4) Trailblazer.

Winners of each Award category are honored at the awards ceremony, with each firm receiving a trophy and a $15,000 donation to a charitable organization of the winner’s choice. The selection of each winning firm’s charity is subject to Schwab’s approval.

Eligibility requirements for this Award include: (1) using Charles Schwab, Charles Schwab Advisor Services®, or Charles Schwab Bank as a custodian for client assets; (2) having been in business as a firm for at least 10 years (Best-in-Business IMPACT Award), at least five years (Trailblazer IMPACT Award), and fewer than 10 years (Pacesetter IMPACT Award) and having been in business as an independent investment advisor, a recordkeeper and third-party administrator, or an investment advisor and recordkeeper/third-party administrator for at least five years (Best-in-Retirement Business IMPACT Award); (3) having at least $25 million in assets under management; for the Best-in-Retirement Business IMPACT Award, having a minimum of $250 million in assets under management and 25 or more retirement plans; (4) for the Best-in-Retirement Business IMPACT Award, having more than 40% of assets under management in employee benefit plans, such as 401(k), defined benefit, or nonqualified plans; (5) being registered as a firm with the Securities and Exchange Commission or applicable state securities regulators or, for the Best-in-Retirement Business IMPACT Award, having a Level 2 SSAE 16 report on file. Schwab reserves the right to disqualify a firm for any reason, including adverse disciplinary history or bankruptcies.

As of 2015, Schwab does not publish, nor is FJY Financial aware, of the number of nominees considered for the Award.  FJY Financial applied for consideration, and the result was independently granted.

FJY Financial received the Schwab Pacesetter IMPACT Award in 2015.

As of the date this disclosure was initially drafted, additional information about the Awards is available at the following links:

http://impact.schwab.com/terms-and-conditions/#eligibility; http://impact.schwab.com/about/awards/.

As of the date this disclosure was initially drafted, the 2015 Award listing is available at the following links:

http://impact.schwab.com/about/awards/; https://www.businesswire.com/news/home/20151112005433/en/Schwab-Advisor-Services-Announces-Recipients-2015-IMPACTv.

Financial Advisor Magazine “10 Young Advisors to Watch” (2015)

FJY Financial Partner and Senior Financial Advisor, Laurie A. Belew was recognized for this Award in 2015.

Financial Advisor Magazine is a monthly news publication that delivers market information and strategies in an effort to help advisors better serve their clients, as well as practice management ideas to help advisors build their firms. To be considered for this Award, an advisor must be nominated by a peer. Nominations from the same firm, from non-industry individuals, or self-nominations are not accepted. Financial Advisor Magazine received approximately 30 nominations for this Award in 2015. It initially evaluated nominated candidates based on factors such as entrepreneurship, innovation, industry leadership, and thought leadership. It then interviewed the top 11-15 candidates. Following the interviews, Financial Advisor Magazine independently selected the final 10 candidates who received the Award. Financial Advisor Magazine does not require membership or payment in order for Award designees and applicants to be considered for an Award. However, FJY Financial or its representatives may have paid fees in exchange for plaques, logo licensing, or article reprints commemorating the Award. The fee would have been paid after receiving the Award and not as a condition precedent to receiving it. However, the fact that any fee is paid with respect to receipt of the Award should be considered if the Award is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage FJY Financial for investment advisory services. This Award: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses.

As of the date this disclosure was initially drafted, the 2015 award list is available at the following link:

InvestmentNews list of “40 Under 40” (2014)

FJY Financial Partner and Senior Financial Advisor, Laurie A. Belew was recognized for this Award in 2014.

InvestmentNews is a multi-media news outlet that provides news, analysis, and information directed towards the financial advisory community through its publication of a weekly newspaper, website, newsletters, research, events, videos, and webcasts. InvestmentNews “40 under 40” seeks to recognize top financial advisers and associated professionals who are under the age of 40. For this Award, nominees are cast through an online web form and may be submitted by InvestmentNews subscribers as well as other peers in the financial planning industry. Nominees are then evaluated by InvestmentNews’ editorial staff based on the following key critera: (1) accomplishments in the advisory business, such as industry-related projects and the wider world in an advisory capacity, as exhibited by the nominee’s credentials and achievements; (2) contributions to promote the financial advice profession such as advocating for financial literacy and engagement in pro bono financial planning work; (3) demonstration of leadership through the provision of guidance and successful management within a company or the industry as a whole; and (4) level of promise for continued success by a demonstration of the nominee’s passion, enthusiasm, ideas and commitment to the field.

InvestmentNews does not require membership or payment in order for Award designees and applicants to be considered for an Award designation. Neither FJY Financial nor any other participating advisers paid a fee to be eligible for the “40 under 40” Award. However, FJY Financial or its representatives may have paid fees in exchange for plaques, logo licensing, or article reprints commemorating the Award. The fee would have been paid after receiving the Award and not as a condition precedent to receiving it. However, the fact that any fee is paid with respect to receipt of the Award should be considered if the Award is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage FJY Financial for investment advisory services. For 2014, InvestmentNews received 1,200 nominations to be considered for the Award and forty honorees were ultimately selected. This Award: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses.

As of the date this disclosure was initially drafted:

Additional information about the methodology is available at the following link: https://investmentnews40under40.secure-platform.com/a/organizations/main/home; https://www.investmentnews.com/section/40-under-40/2014.

The 2014 award list is available at the following link: https://www.investmentnews.com/section/40-under-40/2014/listing; https://www.investmentnews.com/section/40-under-40/2014/profile/0/Laurie-Belew.

TD Ameritrade Institutional RIA NextGen Financial Planning Scholarship (2013)

FJY Financial Advisor, Kelly McNerney received this scholarship in 2013.

TD Ameritrade Institutional (“TD”) is a custodian that provides brokerage and custody services to more than 5,000 independent registered investment advisors (“RIAs”) As part of TD’s commitment to help expand the number of young people joining the RIA industry, TD sponsors the NextGen Financial Planning Scholarship & Grant Program on an annual basis.

The Financial Planning Association® (“FPA®”) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ (“CFP®”) professionals, educators, financial services providers and students who seek advancement in a growing, dynamic profession. The primary aim of FPA® is to elevate the profession that transforms lives through the power of financial planning.

FPA NexGen works to cultivate an environment that promotes inspiration, encouragement and support for members seeking to forge new paths in the financial planning profession. Similarly, FPA relies on its membership, and understands the need to engage with and learn from colleagues in the industry. Together, the leadership of both organizations is focused on collectively raising the voice of the profession.

The FPA NexGen community was created for members age 36 and under and is guided by the mission to foster learning and growth that contributes to the legacy of the profession. As part of these efforts, FPA NexGen works in affiliation with FPA to provide the tools and knowledge to support the collaboration between new and seasoned planners. FPA NexGen members interact with each other through a variety of ways including the FPA Connect NexGen online community, FPA meetings and events, the annual FPA NexGen Gathering, local chapters and more.

TD Ameritrade Institutional awards 12 scholarships in the amount of $5,000 to each undergraduate honoree pursuing financial planning degrees. At least two of these scholarships will recognize scholars from demographic groups under-represented in the ranks of RIA –Scholarship applicants should be freshmen, sophomores or juniors at an accredited four-year college or university with a satisfactory academic standing and pursuing a bachelor’s in financial planning.

To be eligible for the Award, applicants must be: a current college freshman, sophomore or junior; in satisfactory academic standing with your college/university; pursuing a Bachelor’s degree or a minor in Financial Planning at an accredited 4-year institution.

TD does not require membership or payment in order for Award designees and applicants to be considered for an Award. As of 2013, FJY Financial is unaware, nor does TD publish, the number of honorees considered for this Award.

As of the date this disclosure was initially drafted:

Additional information about this recognition is available at the following link:  https://www.tdainstitutional.com/tdai-en_us/resources/document/faq_nextgen_scholarship.pdf.

The 2013 scholarship list is available at the following link: https://www.businesswire.com/news/home/20130822006161/en/TD-Ameritrade-Awards-Scholarships-Foster-New-Generation.

Washington Business Journal “Best Place to Work” (2013)

The Washington Business Journal’s annual Best Places to Work program honors Greater Washington companies that scored highest among hundreds of employers that participated in the regional Quantum Workplace’s annual employee engagement survey.

FJY Financial placed sixth in its respective category in 2013.

The Best Places to Work results are quantitative, based on survey responses from employees themselves, rather than a panel of outside judges. Nominated businesses meeting criteria for business location and size are invited to participate in employee engagement surveys distributed by Quantum Workplace. Based on the results of those surveys, businesses are assigned a score out of 100 percent and ranked by Quantum. The top-rated companies in four size categories — small, medium, large and extra-large — and are honored by the Business Journal as Best Places to Work.

The Best Places to Work survey measures key areas that make up an organization’s culture. These range from compensation and benefits to trust in senior leadership. The survey also measures the level of engagement exhibited by employees, known as employee engagement. Each question on the Best Places to Work survey is associated with a response option; each response option is associated with a numerical value. We use these numerical values to profile your employees and calculate an overall score, which is used to determine each organization’s rank.

Neither the Washington Business Journal nor Quantum Workplace requires membership or payment in order for Award designees and applicants to be considered for an Award. Moreover, neither FJY Financial nor any other participating advisers paid a fee to be eligible for the Award.  However, FJY Financial or its representatives may have paid fees in exchange for plaques, logo licensing, or article reprints commemorating the Award. The fee would have been paid after receiving the Award and not as a condition precedent to receiving it. However, the fact that any fee is paid with respect to receipt of the Award should be considered if the Award is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage FJY Financial for investment advisory services.

This Award: does not emphasize favorable client responses, ignore unfavorable client responses, and is not based upon a statistically invalid sample of client responses.

As of the date this disclosure was initially drafted, additional information about the Award and its methodology is available at the following links:

 https://www.bizjournals.com/washington/news/2018/04/13/see-the-best-places-to-work-in-greater-washington.html

 https://www.bizjournals.com/washington/nomination/29351/2019/best-places-to-work-2013

https://www.bizjournals.com/washington/best-places-to-work-2013.html