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Disclosure Statement

DISCLOSURE STATEMENT

We, The Spivak Financial Group are licensed for variable securities, mutual funds, annuities, life insurances, health insurances and disability insurances in the states of:
AL,AZ,AR,CA,CO,CT,DE,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MO,MT,NE,NV,NJ,NY,NC,OH,OK,OR,PA,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WY

Products and services mentioned in this web site may not be available in all states or jurisdictions. Securities are offered through Centaurus Financial, Inc. (a registered broker/dealer), 2300 E. Katella Ave., Ste 200, Anaheim, Ca 92806 1-714-456-1790. We are Independent Registered Representatives and are not obligated to sell or offer any one particular product or service. We represent our clients and help them purchase the products and services that best fit their needs and goals, no matter which company may offer it. Our broker-dealer, Centaurus Financial, Inc. is a member of the FINRA and SIPC.

The views and opinions expressed on this web site are solely those of Stuart J. Spivak, Mark T. Woodfield, Timothy J. Hague, Jr. the author. These opinions may be different than the companies or products mentioned or referred too. Every effort has been made to provide you with accurate and up-to-date information from sources deemed to be reliable, but accuracy and completeness is not guaranteed. It is given for informational purposes only and is not a solicitation or offer to buy or sell. This information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice designed to meet the needs of any individual investor. We personally make no guarantees or promises. Investment return and principal value will fluctuate and shares/units, when redeemed, may be worth more or less than their original cost. Past performance is no guarantee of future results. Always read the prospectus before investing.

We, The Spivak Financial Group and Centaurus Financial, Inc., the securities it offers and/or most of the companies it represents are not banks or credit unions, and most of the products we offer are not Federally Guaranteed or FDIC insured. Most are not deposits and/or obligations, nor guaranteed by a financial institution, and involve risks including possible loss of principal and may fluctuate in value.

The information contained on this web site is NOT meant to be taken as Legal or tax advice. We are NOT an attorney and this is NOT to be mistaken for giving legal advice. We are merely providing information that has been provided to us from many of sources and added our own comments, hopefully for a better understanding. Other web sites linked to are not under the control of ourselves or Centaurus Financial Inc., and therefore we are not responsible for the contents of any linked site or any link contained in a linked site, or any updates to such sites.