Financial Services Disclaimer
This disclaimer outlines important information regarding the financial planning and investment advisory services provided by Lumenzistudio. Please read carefully before engaging our services.
General Information
The information provided on this website and through our financial planning services is for educational and informational purposes only. While we strive to provide accurate and current information about investment strategies, market analysis, and financial planning concepts, this content should not be considered as personalized financial advice for your specific situation. Capital market conditions, economic forecasts, and investment performance can change rapidly, affecting the relevance of general information. All financial decisions should be made after careful consideration of your individual circumstances, risk tolerance, and investment objectives.
Professional Advisory Services
Our financial planning consultations are provided by qualified professionals with extensive experience in investment management, retirement planning, and wealth building strategies. However, all financial advice is subject to market risks and economic uncertainties that cannot be fully predicted or controlled.
Important Notice
Past performance of investment portfolios and financial strategies does not guarantee future results. All investments carry inherent risks, including potential loss of principal. Market volatility, economic conditions, and regulatory changes can significantly impact investment returns and financial planning outcomes.
Information Accuracy
While Lumenzistudio makes every effort to ensure the accuracy and timeliness of information provided through our financial planning services, we cannot guarantee that all data, market analysis, or investment recommendations will be error-free or completely current. Financial markets are dynamic, and conditions can change rapidly between the time information is gathered and when investment decisions are implemented. Clients are encouraged to verify all information and seek additional professional opinions when making significant financial decisions.
Limitation of Liability
Lumenzistudio, its employees, and affiliated professionals shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of our financial planning services or reliance on investment advice provided. This includes but is not limited to:
- Investment losses resulting from market downturns, economic recessions, or changes in asset values beyond our control or prediction.
- Missed opportunities or timing issues related to investment decisions, market entry or exit strategies, or portfolio rebalancing activities.
- Technical issues, system failures, or communication delays that may affect the delivery of financial services or investment execution.
Third-Party Resources
Our website and financial planning materials may reference third-party financial institutions, investment platforms, market research, or economic data sources. Lumenzistudio does not endorse or guarantee the accuracy, reliability, or performance of any external organizations, investment products, or financial services mentioned in our consultations. Clients should conduct independent research and due diligence before engaging with any third-party financial service providers or investment platforms.
Client Testimonials and Case Studies
Any client testimonials, case studies, or success stories presented on our website or in marketing materials represent specific individual experiences and outcomes. These examples should not be considered typical or guaranteed results that all clients can expect to achieve. Financial planning results vary significantly based on individual circumstances, market conditions, investment timeframes, and adherence to recommended strategies.
Investment Results and Performance
All investment returns, portfolio performance metrics, and financial planning outcomes are subject to market risks and economic factors beyond our control. Results may vary significantly based on timing, market conditions, and individual client circumstances.
Historical performance data and projected returns are provided for illustrative purposes only and should not be considered as promises or guarantees of future investment performance.
Client Indemnification
By engaging our financial planning services, clients agree to indemnify and hold harmless Lumenzistudio from any claims, losses, or damages arising from their investment decisions, including decisions made contrary to our professional recommendations or advice. Clients acknowledge that final investment decisions rest with them and that they bear full responsibility for the outcomes of their financial choices.
Disclaimer Updates
Lumenzistudio reserves the right to modify, update, or revise this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on our website. Clients are responsible for regularly reviewing this disclaimer to stay informed of any updates or modifications that may affect their use of our financial planning services.
Contact Information
For questions or concerns regarding this disclaimer or our financial planning services, please contact us at:
Last Updated: June 16, 2025