Disclosures

As an investment adviser registered with the United States Securities & Exchange Commission (SEC), Physician Family Financial Advisors Inc. ("Physician Family", "we", "us" and "our") are providing the following disclosures to current and prospective clients ("you" and "your"). Our registration does not imply endorsement or approval by any regulatory authority. We can only do business in jurisdictions where we are registered or qualify for an exemption or exclusion from registration. Only our representatives who are registered or exempt from registration in your state will communicate directly with you as an individual.

Regulatory Disclosures

Physician Family is required to provide you with certain disclosures about our investment advisory business. You can download a copy below or directly from the SEC.

Marketing Disclosures

Physician Family has reason to believe the information and content of our marketing messages, as a whole, does not include any false or materially misleading statements or omissions of facts regarding services, investments, or client experience. 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, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Past performance is not indicative of future performance. Information expressed does not take into account the specific situation or objectives of individuals and is not intended as recommendations appropriate for everyone. You should seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for your specific situation.

Physician Family’s website should not be construed as the provision of personalized investment advice for compensation, nor should it be considered a solicitation to effect, or attempt to effect transactions in securities, over the internet.

Physician Family may provide you with links to other resources we believe to be reliable, current and valuable but we cannot be held liable for the accuracy, time sensitive nature or viability of any information shown there.

Physician Family may publish case studies based on actual clients, however, some of the information may have been changed or altered. Some case studies are purely hypothetical examples only and do not represent actual clients or results. No portion of these case studies is to be interpreted as a testimonial or endorsement of our investment advisory services.

Physician Family may discuss and display charts, graphs, formulas, stock and sector picks which are not intended to be used by themselves to determine which securities to buy or sell, or when to buy or sell them. Since this data is limited in scope, there may be other information you should consider before making an investment decision.   

Physician Family may be quoted or featured in various printed, audio and video media under our control or the control of third parties. Opinions, projections, and forward looking statements expressed by any employee of our company may not express the opinions of others in our company. These opinions may be based on information available at the time of publication and are subject to change due to changes in the market or economic conditions and may not come to pass.

Physician Family may pay to be listed in various adviser directories and may also pay a premium to appear near the top of the list. These advertisements should not be construed as an endorsement by their publishers.  

W. Ben Utley was rated one of the “150 Best Financial Advisors for Doctors” in 2002 by Medical Economics Magazine. They compiled their initial list based upon reader recommendations of advisors they found to be knowledgeable about financial planning for physicians. We provided them an opportunity to request both favorable and unfavorable responses. They evaluated advisors based upon their credentials, education, experience, percentage of doctor clients and size of the investment firm. They also reviewed public documents from the advisor, including financial plans, regulatory filings and compensation models. We have reason to believe that the process was fair and accurate. We did not pay to be included in these ratings.

Physician Family may publish testimonials given by current clients. Clients were not compensated, nor are there material conflicts of interest that would affect these testimonials. They may not be representative of the experiences of other clients, and do not provide a guarantee of future performance success or similar services.

Physician Family may participate in various social media. We do not select, amend, delete or sort public comments posted on these sites except as necessary to protect certain personal identifiable information.  

Other Disclosures

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. For details, visit cfp.net.

Physician Family served 239 physicians across 42 states and managed $221 million for clients as of November 1, 2024.