Important Risk Disclosures

Understanding risk is essential to making informed investment decisions. Please read these disclosures carefully.

General Investment Risk

Fundamental risks that apply to all investments

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee profits or protect against losses in declining markets.

The value of your investments may fluctuate significantly over short or extended periods. Market conditions, economic factors, geopolitical events, and other circumstances beyond our control can affect investment performance.

•You could lose some or all of your invested capital
•There is no assurance that any investment objective will be achieved
•Diversification does not eliminate the risk of loss
•Different types of investments involve varying degrees of risk

Past Performance

Historical results do not predict future outcomes

Past performance is not indicative of future results. Any historical data, backtests, or performance examples shown are for illustrative purposes only.

Investment returns and principal value will fluctuate. Your investment may be worth more or less than its original cost when you need to access it.

•Hypothetical performance results have inherent limitations
•Backtested results do not reflect actual trading
•Market conditions in the future may differ materially from the past
•Results do not account for all fees, expenses, or taxes

Tax-Loss Harvesting Risk

Tax strategies have risks and may not benefit all investors

Tax-loss harvesting involves certain risks. The effectiveness of tax-loss harvesting depends on your individual tax situation and may not be beneficial for all investors.

•The new investment could perform worse than the original investment
•Transaction costs could offset the tax benefits
•Wash sale rules may disallow certain losses
•Tax laws may change, affecting the value of harvested losses
•Harvesting defers rather than eliminates tax liability in many cases

Consult with a qualified tax professional regarding your specific situation. We do not provide tax advice.

Supervised Automation

Technology-assisted investing has inherent limitations

Supervised automation does not eliminate investment risk. While we use technology to assist with monitoring and execution, human oversight does not guarantee positive outcomes.

•Technology can fail, leading to delays or errors in execution
•Automated systems may not respond appropriately to unprecedented market events
•Human oversight cannot prevent all losses or guarantee timely intervention
•Model-based decisions may not account for all relevant factors

Registration Disclaimer

Registration does not imply skill or training

Registration as an investment advisor does not imply a certain level of skill or training. State registration is a regulatory requirement, not an endorsement.

Aurea Investments LLC is registered as an investment advisor with the State of Wisconsin. Registration does not constitute an endorsement by the state or any regulatory agency.

You can verify our registration status at IAPD (Investment Adviser Public Disclosure)

No Guarantees

We make no guarantees regarding investment performance, tax savings, or any other financial outcome. All investment decisions involve risk, and results will vary based on market conditions, timing, and individual circumstances.

Any projections, estimates, or forward-looking statements are hypothetical and for educational purposes only. Actual results may differ materially.

The information on this website does not constitute investment advice, tax advice, or legal advice. Consult with qualified professionals regarding your specific situation.

Additional Resources

For more information about our services and regulatory disclosures, please review the following documents.

Last updated: December 2025

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No Guarantees

Any projections, estimates, or forward-looking statements are hypothetical and for educational purposes only. Actual results may differ materially.

The information on this website does not constitute investment advice, tax advice, or legal advice. Consult with qualified professionals regarding your specific situation.