Personal Responsibility. We aim to accurately represent the information provided in this program, services, and products. You are acknowledging that you are participating voluntarily in using our programs, services, and/or products, and you alone are solely and personally responsible for your results. You acknowledge that you take full responsibility for your finances and well-being, as well as the finances and well-being of your family and children (born and unborn, as applicable), and all decisions now or in the future.

No Guarantees. Our role is to support and assist you in reaching your financial goals, but your success depends primarily on your own effort, motivation, commitment and follow-through. We cannot and do not guarantee that you will attain a particular result, and you accept the risk that results differ by each individual. Each individual’s financial success depends on his or her background, dedication, desire, and motivation. As with any coaching services, your results may vary, and will be based on many variables, including but not limited to, your individual capacity, life experience, unique health and genetic profile, starting point, expertise, and level of commitment.

Investments: Our role as a coach is to educate clients on how to start and manage their own investments, we do not make any specific recommendations to any investments. Our focus is on educating the client on general asset allocation and how to manage risk by diversification. You are liable for the final investment decisions you make. With any investments, there are risks involved, which could include losing all your capital. You acknowledge that you take part in this risk and you release us from any liability for any investment decisions you make. We do not manage investments and firmly believe that clients should take charge of their finances including managing their own investments. 
By using this website, blog, e-mails, or any of our programs, services, or products, you implicitly signify your agreement to all parts of the above disclaimer.

 This program is designed to provide accurate and reliable information in regard to the subject matter covered. It is sold with the understanding that the author and publisher, through this program, is not engaged in legal, accounting, financial, or other professional services. Laws and practices often vary from state to state, and if legal, financial, or other expert assistance is required, the services of a professional should be sought. The author and publisher specifically disclaim any liability that is incurred from the use or application of the contents of this program. Examples used within this program are hypothetical in nature and are used for illustrative purposes only. They do not take into consideration the consequence of fees or taxes and not indicative of any specific investment or investment strategy. Investments seeking higher rates of return generally involve a higher degree of risk of principal.


The information contained in this program does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Patti Handy is not responsible for the consequences of any particular transaction or investment decision based on the content of this program.


All financial, retirement and estate planning should be individualized as each person’s situation is unique. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Keep in mind that there is no assurance that our recommendations or strategies will ultimately be successful or profitable nor protect against a loss. There may also be the potential for missed growth opportunities that may occur after the sale of an investment. Recommendations, specific investments or strategies discussed may not be suitable for all investors.


Past performance may not be indicative of future results. You should discuss any tax or legal matters with the appropriate professional. Links are being provided for information purposes only. Patti Handy and Handy Consulting Group is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Patti Handy and Handy Consulting Group is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. Sector investments are companies engaged in business related to a specific sector. They are subject to fierce competition and their products and services may be subject to rapid obsolescence.  There are additional risks associated with investing in an individual sector, including limited diversification.


Investors should consider the investment objectives, risks, charges and expenses of an exchange traded products and mutual funds carefully before investing. The prospectus contains this and other information and should be read carefully before investing. The prospectus is available from your investment professional.