Evermay Wealth Management, LLC is a registered investment advisor. Registration with the SEC as an investment advisor does not imply a certain level of skill or training. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted.
The materials contained in this website have been obtained, derived and prepared based on information from public and private sources that Evermay Wealth Management, LLC believes to be reliable. However, no representation, warranty or undertaking, stated or implied, is given as to the accuracy or completeness of the information contained herein, and Evermay Wealth Management, LLC expressly disclaims any liability for the accuracy and completeness of information contained in this website. Evermay Wealth Management, LLC, maintains the right to delete or modify information on this website without prior notice.
This site has been designed for general informational and educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security referenced on the site. Such offers can only be made where lawful under applicable law. Evermay Wealth Management, LLC does not intend to provide investment advice through this site and does not represent that the securities or services discussed are suitable for any investor. Any subsequent, direct communication by Evermay Wealth Management, LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.
Investors are advised not to rely on any information contained in the site in the process of making a fully informed investment decision. Evermay Wealth Management, LLC does not, and this site does not intend to, render business, tax or legal advice. Each prospective client should consult his/her own attorney, business advisor and tax advisor as to legal, business, tax and related matters concerning the information contained herein. Each client and prospective client agrees, as a condition precedent to accessing Evermay Wealth Management, LLC's website, to release and hold harmless Evermay Wealth Management, LLC, its officers, directors, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Evermay Wealth Management, LLC.
The information, opinions and views contained herein have not been tailored to the investment objectives of any one individual, are current only as of the date when posted and may be subject to change at any time without prior notice. Evermay Wealth Management, LLC does not have any obligation to provide revised opinions in the event of changed circumstances. Nothing contained in this website should be construed as investment advice.
Any ideas or strategies discussed in the website should not be undertaken by any individual without prior consultation with a financial professional for the purpose of assessing whether the ideas or strategies that are discussed are suitable based on your own personal financial objectives, needs and risk tolerance. Evermay Wealth Management, LLC expressly disclaims any liability or loss incurred by any person who acts on the information, ideas or strategies discussed herein.
The SEC Form ADV contains important information about the advisory services, fees and business of Evermay Wealth Management, LLC. Form ADV Part 1A and 2A are publicly available and may be viewed at http://www.advisorinfo.sec.gov/. Form ADV Part 2A and 2B are provided by Evermay Wealth Management, LLC initially to new clients and offered or delivered on an annual basis to clients. The Form ADV is periodically amended and clients are encouraged to review this information.
At certain places on our website, we may provide access or ‘links’ to other internet websites sponsored and maintained by third parties. Evermay Wealth Management, LLC is providing such links solely as a convenience. Evermay Wealth Management, LLC makes no representations concerning the content of the websites. These sites contain information that has been created, published, maintained or otherwise posted by institutions or organizations independent of Evermay Wealth Management, LLC. Evermay Wealth Management, LLC does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional. Evermay Wealth Management, LLC does not necessarily endorse or recommend any commercial product or service described at these websites.
The information contained herein does not, and shall not, constitute an offer to sell, a solicitation of an offer to buy, or an offer to purchase any securities, nor should it be deemed to be an offer, or a solicitation of an offer, to purchase or sell any investment product or service.
Past performance does not guarantee future returns and should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by Evermay Wealth Management, LLC) or product referenced to directly or indirectly by Evermay Wealth Management, LLC on its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Investing entails risks, including possible loss of principal. The price of, value of and income from securities or financial instruments can fall as well as rise.
Clients utilizing this website for the purpose of accessing documents posted to a web portal do so with the understanding that accessing such information through the portal should be done only through secure channels and on non-public machines. Evermay Wealth Management, LLC cannot be responsible for criminal activities of others, specifically those that may access client information through the use of a client’s password or other credentials.
Clients are strongly encouraged to compare the information found through the portal with any information received directly from their account custodian.
Certain people associated with Evermay may hold professional designations which are included on the website. An explanation of the minimum qualifications required for each designation follows:
Certified Financial Planner (CFP®)
CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. To attain the right to use CFP® an individual must have a bachelors degree with coursework in financial planning, pass a 10-hour exam, have at least three years’ full-time financial planning related experience, agree to be bound by CFP Board’s Standards of Professional Conduct, complete 30 hours of continuing education every two years and renew the agreement to be bound by the Standards of Professional Conduct.
Chartered Financial Analyst (CFA)
Qualification as a Chartered Financial Analyst (CFA) requires four years of qualified work experience; completion of the CFA Program, which includes passing three six-hour examinations; becoming a member of the CFA Institute; and adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.
The Standard & Poor’s 500 Index (the "S&P 500") and the Russell 2000 Index, if applicable, are mentioned for comparative purposes only because they represent, respectively, an index typically used to gauge the general performance of the U.S. securities markets and an index that offers investors access to the small-cap segment of the U.S. equity universe. The use of these indices is not meant to be indicative of the asset composition or volatility of the portfolio of securities held by our clients, which may or may not have included securities which comprise the S&P 500 and the Russell 2000 Index, and which may hold considerably fewer than the number of different securities that make up the S&P 500 and the Russell Index. As such, clients’ investment portfolios should be considered riskier than an investment in either index.
Investment Advisor Certified Compliance Professional (IACCP®)
IACCP® certification is a voluntary certification; no federal or state law or regulation requires compliance professionals to hold IACCP® certification. To attain the right to use IACCP® an individual must have at least two years’ work experience, complete 22 hours of coursework, make an ethical commitment, pass a certifying examination and annually complete 12 hours of continuing education.