This website provides general information about Verde Capital Management (“Verde”), its advisory services, investment philosophy, financial planning approach, educational content, and related topics. The information is intended to help visitors understand the firm and consider questions that may be relevant to their financial lives.
Website content is not a complete description of Verde, its services, fees, investment strategies, conflicts of interest, business practices, or the terms of any client relationship. Current and prospective clients should review the applicable regulatory disclosures and written agreements before engaging Verde or making a financial decision.
Investment Adviser Registration
Verde Capital Management is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration with the SEC does not imply that the SEC has approved, endorsed, recommended, or passed upon Verde, its personnel, services, qualifications, investment strategies, or website content. Registration also does not imply a particular level of skill, education, or training.
Investment adviser registration requires the filing of certain information with the appropriate regulatory authorities and subjects the adviser to applicable federal securities laws, rules, examinations, recordkeeping requirements, and other regulatory obligations.
Regulatory Information
Information concerning Verde’s business, advisory services, fees, conflicts of interest, disciplinary history, investment practices, and certain personnel is described in its Form ADV and other applicable regulatory materials.
Publicly available information regarding registered investment advisers may be accessed through the SEC’s Investment Adviser Public Disclosure system. Visitors may also use Verde’s Contact page to request information about the regulatory documents applicable to a prospective advisory relationship.
Regulatory filings, brochures, relationship summaries, privacy notices, advisory agreements, and other client documents should be reviewed in their entirety. A summary on this website should not be relied upon as a substitute for the complete document.
General Information Only
Information on this website is general and educational. It is not individualized financial planning, investment advice, tax advice, legal advice, accounting advice, insurance advice, or a recommendation concerning a particular security, account, transaction, product, or strategy.
The usefulness or appropriateness of any financial concept depends on factors that may include income, assets, liabilities, family circumstances, business interests, tax position, investment objectives, time horizon, liquidity needs, risk tolerance, estate considerations, and other information not available through a website visit.
Visitors should not act or refrain from acting solely because of information presented on this website. Personalized recommendations are provided only within an appropriately established professional relationship and after consideration of the relevant facts and circumstances.
No Advisory or Fiduciary Relationship
Visiting the website, viewing content, downloading a resource, subscribing to communications, or submitting a general inquiry does not create an investment advisory, financial planning, fiduciary, client, or other professional relationship with Verde.
An advisory relationship begins only after Verde and the client complete the applicable review and onboarding process, agree to the scope and terms of service, and enter into the required written agreement.
Verde’s fiduciary obligations apply within the scope of an advisory relationship and applicable law. General website content should not be interpreted as a personalized fiduciary recommendation to an unidentified visitor.
Investment Risk
Investing involves risk, including the possible loss of principal. No investment strategy, asset allocation, security, financial plan, manager, or advisory relationship can guarantee a profit, prevent a loss, or assure that a financial goal will be achieved.
Investment values and results may be affected by market conditions, company performance, economic developments, interest rates, inflation, taxation, government action, geopolitical events, liquidity, investor behavior, and other factors. Certain investments, strategies, industries, or asset classes may involve greater volatility, concentration, complexity, or risk of loss.
Diversification and asset allocation are methods used to manage certain risks, but they do not guarantee investment gains or protect against every loss. Maintaining cash, using a more conservative allocation, or avoiding a particular investment may reduce some risks while introducing other costs or limitations.
Past Performance
Past performance does not guarantee or reliably predict future results. Historical returns may reflect market conditions, investment opportunities, portfolio composition, assumptions, fees, expenses, taxes, and other circumstances that may not recur.
Performance information should be reviewed together with the methodology, measurement period, benchmark, calculation assumptions, fees and expenses, reinvestment assumptions, material risks, and other disclosures accompanying the presentation.
Different clients may experience different results because of account size, investment restrictions, tax considerations, cash flows, transaction timing, portfolio holdings, risk preferences, service dates, and other individual circumstances.
Gross and Net Performance
Where performance information is presented, gross performance generally does not reflect all advisory fees, expenses, transaction costs, or other amounts that may reduce a client’s return. Net performance is intended to reflect specified fees and expenses, but the calculation may not represent the exact costs experienced by every client.
Visitors should review the definitions, assumptions, and disclosures accompanying any performance presentation rather than comparing figures without context. Fees and expenses can have a material effect on investment results over time.
Benchmarks and Market Indexes
A benchmark or market index may be shown to provide context, but it may differ materially from a client portfolio or investment strategy. Indexes may include different securities, risk characteristics, concentrations, reinvestment assumptions, and asset classes.
Indexes generally do not reflect investment-management fees, trading costs, taxes, or the practical limitations involved in managing a real portfolio. An investor cannot invest directly in an unmanaged index.
Comparison with a benchmark does not mean the portfolio and benchmark share the same objectives, holdings, volatility, or risk.
Hypothetical, Projected, and Model Information
Hypothetical results, financial projections, planning scenarios, model portfolios, and other forward-looking illustrations are based on assumptions. They are not actual client results and should not be understood as promises or estimates of what a particular person will achieve.
Actual outcomes may differ materially because of market returns, inflation, taxes, fees, spending, savings, timing, life events, changes in law, and other variables. Small changes in an assumption can create significant differences over a long period.
Planning projections are tools for evaluating possibilities and tradeoffs. They are not guarantees that a particular goal, retirement date, income level, or portfolio value will be achieved.
Investment Methodology and Research
Descriptions of Verde’s investment philosophy, research process, Investment Committee, portfolio construction, or security-selection methodology are general summaries. They do not describe every factor considered, every strategy used, or every account managed by the firm.
An investment that appears to meet Verde’s research criteria may decline in value or fail to perform as expected. Qualitative and quantitative analysis cannot eliminate uncertainty, and conclusions may change as new information becomes available.
The inclusion of a company, industry, security, asset class, investment concept, or example in educational content does not necessarily mean it is currently owned, recommended, purchased, or suitable for a particular client.
Specific Securities and Examples
References to a security, company, market, transaction, or investment outcome may be used to explain a concept, illustrate an investment process, or discuss historical events. Such references are not necessarily recommendations to buy, sell, or hold the security.
Selected examples may not reflect every investment decision, unsuccessful investment, client experience, or relevant market period. No visitor should assume that a similar investment or strategy will be profitable or appropriate in the future.
Testimonials and Endorsements
The website may include testimonials or endorsements when permitted by applicable law. A testimonial generally reflects the experience or statement of a current client. An endorsement may be made by a person other than a current client.
The experience described by one person may not represent the experience of every client. A testimonial or endorsement is not a guarantee of investment performance, financial success, service quality, or future results.
Where required, accompanying disclosures should explain whether the person providing the statement is a client, whether compensation or another material benefit was provided, and whether a material conflict of interest exists. Visitors should review those disclosures with the statement.
Reviews and Social Media
Reviews, comments, reactions, likes, shares, follows, or other social-media activity may reflect the views of the individual user and not Verde. Verde may not control who posts, comments, reacts, or shares content on a third-party platform.
A social-media interaction does not imply that the person is a client, endorses Verde, has received a particular result, or has been compensated. The order, prominence, filtering, and availability of reviews may also be controlled by the platform rather than Verde.
Verde’s decision to like, share, repost, follow, or link to third-party content should not automatically be interpreted as an endorsement of the person, organization, product, service, opinion, or investment discussed.
Awards, Rankings, and Third-Party Ratings
Awards, rankings, recognitions, and third-party ratings may be based on criteria established by an outside organization. The methodology may consider information such as assets, growth, business practices, professional experience, survey responses, editorial judgement, public information, or other factors selected by the organization.
An award or rating does not guarantee investment performance, client satisfaction, service quality, or future results. It should not be interpreted as an endorsement by the SEC or another government authority.
Where an award, ranking, or third-party rating appears, visitors should review the accompanying information concerning the issuing organization, date, eligibility period, criteria, methodology, compensation, application process, and other material limitations.
Financial Planning Information
Financial-planning information may address cash flow, risk, investing, taxes, goals, estate considerations, retirement, charitable giving, business interests, or other topics. These subjects are interconnected, and a strategy that appears beneficial in one area may create consequences in another.
Financial plans and recommendations depend on information provided by the client and assumptions concerning future conditions. Incomplete, inaccurate, or outdated information may affect the analysis and recommendations.
Clients remain responsible for notifying Verde of material changes in their finances, family, goals, business, tax situation, investment restrictions, liquidity needs, and other relevant circumstances.
Tax and Accounting Information
Tax and accounting information on the website is general and may not reflect current law, an individual jurisdiction, or a visitor’s circumstances. Tax rules are complex and subject to change.
Unless a separate written arrangement expressly states otherwise, Verde does not provide tax-return preparation or accounting services. Verde may consider tax consequences as part of financial planning and may coordinate with a client’s accountant or tax professional.
Visitors should consult a qualified tax or accounting professional before implementing a strategy with tax consequences.
Legal and Estate-Planning Information
Information concerning wills, trusts, powers of attorney, healthcare directives, beneficiaries, business succession, asset ownership, or estate planning is educational and is not legal advice.
Verde may help organize the financial aspects of an estate plan, identify coordination questions, review account registrations and beneficiary designations, and work alongside a client’s legal professionals. Legal advice and legal-document preparation should be provided by an appropriately qualified attorney.
Insurance Information
Discussions of insurance, risk management, long-term care, disability, liability, healthcare, or related topics are general unless provided within an applicable professional relationship.
Policy availability, coverage, exclusions, costs, underwriting, contractual terms, financial strength, tax treatment, and suitability vary. Visitors should review the applicable policy documents and consult the appropriate licensed insurance or legal professionals before acting.
Digital Assets and Emerging Investments
Digital assets, cryptocurrencies, private investments, and other emerging or alternative investments may involve substantial volatility, limited liquidity, custody risk, valuation uncertainty, fraud, cybersecurity threats, rapidly changing regulation, and the possibility of complete loss.
Educational discussion of an emerging investment does not mean it is recommended, appropriate, or available through Verde. Any consideration of such an asset should occur within the investor’s broader objectives, risk tolerance, liquidity needs, and financial plan.
Third-Party Information
Website content may include data, research, commentary, quotations, market information, or other material obtained from sources believed to be reliable. Verde does not guarantee that third-party information is complete, accurate, current, or free from error.
Third-party views do not necessarily represent Verde’s views. The inclusion of outside information does not mean Verde endorses every statement, conclusion, product, service, organization, or investment associated with the source.
Third-Party Links and Services
Links to custodians, government websites, media, research providers, account platforms, social networks, recruiting systems, document hosts, or other third-party services may be provided for convenience.
Verde does not control and is not responsible for the content, security, privacy, accessibility, accuracy, availability, or operation of an outside website. A link does not necessarily indicate affiliation, sponsorship, endorsement, or approval.
Custody and Account Information
Client assets may be maintained by qualified custodians or other independent financial institutions under the terms applicable to the client relationship. References or links to a custodian do not mean Verde controls the custodian’s website, systems, policies, statements, or services.
Clients should review account statements and confirmations provided by the qualified custodian and promptly raise questions concerning discrepancies through the appropriate secure communication channel.
Website Forms and Electronic Communications
General website forms are intended for introductory inquiries. They should not be used to transmit trade instructions, transfer requests, account credentials, account numbers, Social Security numbers, tax documents, or other sensitive or time-critical information.
A website submission does not constitute an accepted instruction, transaction authorization, regulatory notice, or amendment to an advisory agreement. Current clients should use the secure or established communication method appropriate to the request.
Geographic and Jurisdictional Limitations
Website content is intended for persons in jurisdictions where Verde is permitted to provide the relevant information or services. The availability of a website does not mean Verde offers or may lawfully provide every service in every jurisdiction.
Services are offered only where Verde and its personnel are properly registered, exempt from registration, or otherwise permitted to operate under applicable law.
Information May Change
Financial markets, tax laws, regulations, investment products, technology, service arrangements, personnel, and business practices change over time. Website content may become outdated without immediate revision.
Verde may update, correct, add, remove, or reorganize website information at any time. No representation is made that every page reflects the latest available information.
Additional Disclosures
Specific content may require disclosures beyond those contained on this page. Performance figures, investment examples, awards, testimonials, endorsements, ratings, calculators, planning projections, research materials, and downloadable resources should be reviewed together with the disclosures presented with that content.
This general Disclosure page does not override, replace, or cure the absence of a disclosure required for a specific statement or presentation.
Questions and Regulatory Materials
Questions regarding these disclosures, Verde’s services, or the regulatory materials applicable to a prospective relationship may be submitted through the Contact page. Do not include account credentials, identification numbers, tax documents, or other sensitive information in a general inquiry.
