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. Public website materials should not be read as performance advertising or as a representation that any client will achieve a particular result.

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 examples, if used after compliance review, have inherent limitations
•Backtested examples, if used after compliance review, 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 and Legal Coordination

Coordination does not replace tax or legal advice

Aurea does not provide tax or legal advice. Investment recommendations may consider tax, estate, transaction, or legal constraints, but qualified CPAs and attorneys remain responsible for tax and legal advice.

•Tax considerations should be reviewed with a qualified tax professional
•Legal documents and estate decisions should be reviewed with qualified counsel
•Business-owner, plan-sponsor, and healthcare-operator decisions often require multiple professional advisers and providers
•Tax laws, ERISA rules, reimbursement rules, and business circumstances may change
•Coordination does not guarantee tax, legal, business, plan, or reimbursement outcomes

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

Technology and AI-Assisted Tools

Tools support human review and have limitations

Technology does not replace fiduciary judgment. Tools may support organization, drafting, review cadence, or records, but they do not make autonomous client recommendations or guarantee positive outcomes.

•Technology can fail or produce incomplete information
•AI-generated or tool-assisted content requires human review before use
•Human review cannot prevent all losses or guarantee timely intervention
•Model-based outputs may not account for all relevant client circumstances

Registration Disclaimer

Registration does not imply skill or training

Registration as an investment adviser 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 adviser 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

Aurea makes no guarantees regarding investment performance, tax results, fee reductions, plan compliance outcomes, reimbursement outcomes, or any other financial outcome. All investment decisions involve risk, and results will vary based on market conditions, timing, and individual circumstances.

Website materials should not be treated as projections or individualized advice. Any reviewed educational estimate would have limitations, and 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: May 1, 2026

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No Guarantees

Website materials should not be treated as projections or individualized advice. Any reviewed educational estimate would have limitations, and 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.