Important Disclosures

This website (“Website”) is a publication Noyes Capital Management, LLC (“NCM”) which is an SEC-registered investment adviser with a primary business location in New Vernon, NJ.  NCM may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that NCM has attained a certain level of skill, training, or ability. The Website is limited to the dissemination of general information pertaining to NCM’s advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Website should not be construed by any client or prospective client as NCM’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 NCM 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. Each user of this Website (“User”) is encouraged to obtain a copy of NCM’s current written disclosure statement discussing NCM’s business operations, services, fees, and applicable conflicts of interest, which is available from NCM upon request or by searching for NCM at the following link: www.adviserinfo.sec.gov.

Except as prohibited by applicable law, and as a condition precedent to accessing the Website, each User agrees to release and hold harmless NCM, 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 NCM. 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. Photos and images on this Website are not of past or present clients of NCM. These photos should not be construed as an endorsement of NCM or its representatives by any client.   Hyperlinks on this Website are provided as a convenience. NCM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Website or incorporated herein, and takes no responsibility for the same. 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 NCM, or from any other investment professional.

All materials contained in 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 NCM. Users may not alter or remove any trademark, copyright or other notice from copies of the content.

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 NCM), 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, or 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. NCM 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 NCM’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, such discussion 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, NCM 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 NCM or from any other investment professional. Users should not use any Website content as the sole basis for any investment decisions.  Rather, a professional advisor should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. NCM is neither a law firm nor accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only, and 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.

Scott Noyes has been a CERTIFIED FINANCIAL PLANNER™ professional since 2004. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Case studies presented are hypothetical scenarios and for illustrative purposes only. They are not reflective of actual client experiences and are not intended to serve as an endorsement of NCM by any of NCM’s current, former, or prospective clients.

Awards, rankings, ratings, and/or recognition by unaffiliated rating services and/or publications are absolutely not indicative of NCM’s future performance or its clients’ investment success; should not be construed by a client or prospective client as a guarantee that such client will experience a certain level of results if NCM is engaged, or continues to be engaged to provide investment advisory services; nor should it be construed as a current or past endorsement of NCM by any of its clients. Rankings published by unaffiliated rating services and/or publications are generally based on information prepared and/or submitted by the recognized adviser. Investment performance is not an explicit criterion because clients’ investment goals differ. Working with a highly-rated or ranked advisor does not ensure that a client or prospective client will experience a higher level of performance.

NCM is listed on the Paladin Research & Registry website (www.PaladinRegistry.com) and displays a related icon on this Website. Potential clients may use Paladin’s online registry service to be matched to “vetted advisors” and/or firms in their communities and to learn more about them. Paladin does not solicit investors on behalf of financial advisors. Investors may also use Paladin’s Directory application to conduct their own searches for advisors and/or firms. Professionals and firms pay fixed service fees to be profiled in the Paladin Registry and receive referrals to investors who use Paladin’s matching and directory services. Paladin uses these fees to provide free information and services to investors.  The fact that NCM pays fees to be included on the Paladin Research & Registry website and to display the “Paladin Registry Member” icon should be considered if such use and/or inclusion on that website is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage NCM to provide investment advisory services. It should not be construed as an endorsement of NCM, and does not guarantee future investment success.