The information contained in our websites and publications is provided by Ridge Publishing Co. Inc. (Ridge) a Colorado Corporation.
The analysis and information in this report and on our website is for informational purposes only. No part of the material presented in this report or on our websites is intended as an investment recommendation or investment advice. Neither the information nor any opinion expressed nor any Portfolio or Model Portfolio constitutes a solicitation to purchase or sell securities or any investment program. The opinions and forecasts expressed are those of the editors and may not actually come to pass. The opinions and viewpoints regarding the future of the markets should not be construed as recommendations of any specific security nor specific investment advice. Investors should always consult an investment professional before making any investment.
Any investment decisions must in all cases be made by the reader or by his or her investment adviser. Do NOT ever purchase any security without doing sufficient research. There is no guarantee that the investment objectives outlined will actually come to pass. All opinions expressed herein are subject to change without notice. Neither the editor, employees, nor any of their affiliates shall have any liability for any loss sustained by anyone who has relied on the information provided.
The analysis provided is based on both technical and fundamental research and is provided “as is” without warranty of any kind, either expressed or implied. Although the information contained is derived from sources which are believed to be reliable, they cannot be guaranteed.
One of the principals of Ridge, Mr. David Moenning, is President and majority shareholder of Heritage Capital Management, Inc. (HCM) a Chicago-based money management firm. HCM is a state-registered investment advisor. HCM also serves as a sub-advisor to other investment advisory firms.
David D. Moenning, an advisor representative of CONCERT Wealth Management Inc. (CONCERT), is founder of Heritage Capital Advisors LLC, a legal business entity doing business as Heritage Capital Research (Heritage). Advisory services are offered through CONCERT Wealth Management, Inc., an SEC registered investment advisor. For a complete description of investment risks, fees and services review the CONCERT firm brochure (ADV Part 2) which is available from your Investment Representative or by contacting Heritage or CONCERT.
Mr. Moenning is also the owner of Heritage Capital Management (HCM) a state-registered investment adviser. HCM also serves as a sub-advisor to other investment advisory firms.
Ridge is a publisher and has not registered as an investment adviser. Neither HCM, Heritage nor Ridge is registered as a broker-dealer.
Employees and affiliates of HCM, Heritage and Ridge may at times have positions in the securities referred to and may make purchases or sales of these securities while publications are in circulation. Editors will indicate whether they or HCM has a position in stocks or other securities mentioned in any publication. The disclosures will be accurate as of the time of publication and may change thereafter without notice.
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Many of the portfolios are hypothetical model portfolios. Hypothetical performance results have inherent limitations, some of which are described below. First and foremost, it should be understood that Hypothetical Testing of Trading Systems does NOT represent actual trading. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown; in fact, there are frequently distinct differences between hypothetical performance results and the actual results subsequently achieved by any particular trading system. One of the limitations of hypothetical system testing of performance is they are generally prepared with the benefit of hindsight. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. For example, the ability to withstand losses or to adhere to a strategy in spite of trading losses are material points which can also adversely affect actual results. There are numerous other factors related to the markets in general or to the implementation of any specific trading system which cannot be fully accounted for in preparation of hypothetical performance results and all of which can adversely affect results.
Results shown are based on calendar years only. Actual results fluctuate in value on a daily basis and therefore inter-year results will be more or less volatile than calendar year returns.
All indices shown assume no reinvestment of dividends and capital gains and are thus, price only indices. Investments in equities carry an inherent element of risk including the potential for significant loss of principal. Past performance is not an indication of future results.