Financial Disclaimer

Please read this document carefully before participating in any financial consultation session.

1. Not Licensed Financial Advice

AJ Consultations LLC and Parth Shah are not licensed financial advisors, investment advisors, brokers, or registered representatives of any securities dealer, as defined by the Securities Exchange Act of 1934 or any applicable state law.

All financial consultation sessions, written materials, and website content provided by AJ Consultations LLC are strictly for general educational and informational purposes only and do not constitute personalized financial, investment, tax, or legal advice.

2. No Client–Advisor Relationship

Use of this website or participation in a consultation session does not create a financial advisor–client relationship, a broker–dealer relationship, or any other professional fiduciary relationship between you and AJ Consultations LLC or Parth Shah.

3. Your Responsibility

Nothing discussed during sessions or published on this website should be construed as a recommendation to buy, sell, or hold any security, financial product, or investment instrument. Any financial decisions you make are solely your own responsibility.

AJ Consultations LLC assumes no liability for any losses, damages, or adverse outcomes resulting from actions taken or not taken based on information provided during sessions or on this website.

4. Investment Risk

Financial markets involve inherent risk. Past performance is not a guarantee of future results. The value of investments can go down as well as up, and you may receive back less than you originally invest.

You are strongly encouraged to consult a licensed Certified Financial Planner (CFP), Registered Investment Advisor (RIA), Certified Public Accountant (CPA), or licensed attorney before making any significant financial decisions.

5. Confidentiality

Information shared during consultation sessions is treated with discretion. However, AJ Consultations LLC is not a licensed financial institution and is not subject to the same regulatory confidentiality requirements as licensed advisors. Do not share sensitive account credentials, passwords, or highly personal financial documents during sessions.

6. Changes to This Disclaimer

This disclaimer may be updated periodically. The date at the top of this document reflects the most recent revision. Continued participation in sessions after any update constitutes acceptance of the revised terms.

By engaging in any financial consultation session with AJ Consultations LLC, you acknowledge that you have read and understood this disclaimer.
Before your first financial education session you will be asked to sign a Client Acknowledgement, which restates the points above in the first person so you keep a copy of what you agreed to.

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