Disclosures

Fee Structure

We believe in complete transparency regarding our compensation:

Investment Risk Disclosure

All investments involve risk, and it is important that you understand these risks before investing:

• Market Risk: The value of your investments may fluctuate due to market conditions, and you may lose some or all of your principal.
• Past Performance: Past performance is not indicative of future results. Historical returns do not guarantee future returns.
• No Guarantees: We cannot guarantee any specific investment outcome or rate of return.
• Liquidity Risk: Some investments may be difficult to sell quickly without incurring significant losses.
• Inflation Risk: The purchasing power of your investments may be eroded by inflation over time.

Regulatory Information

Aethel Wealth is a registered investment adviser. Registration does not imply a certain level of skill or training. Important regulatory points:

• We are required to act as a fiduciary and disclose any conflicts of interest
• Our Form ADV Part 2A (brochure) is available upon request and contains detailed information about our services, fees, and disciplinary history
• We maintain appropriate insurance coverage and comply with all applicable regulations

Conflicts of Interest

We are committed to managing and disclosing potential conflicts of interest:

• We do not receive commissions or compensation from third parties for recommending specific investments
• Our only compensation is the AUM fee paid directly by clients
• We do not engage in proprietary trading or maintain inventory positions in securities we recommend
• Any material conflicts of interest will be disclosed to you in writing before we proceed with any related transactions

Custody of Assets

We do not take custody of client assets. Your assets are held at qualified custodians (such as Charles Schwab, Fidelity, or similar institutions) in accounts registered in your name. This arrangement provides additional protection for your assets and allows you to verify your holdings independently.

Retirement Calculator Disclaimer

The retirement calculator on our website is provided for illustrative purposes only. The projections generated by the calculator are based on assumptions that may not reflect your actual circumstances. The 7% expected annual return used in calculations is a hypothetical figure and is not guaranteed. Actual results may vary significantly. You should not make financial decisions based solely on the calculator's output. Please consult with a qualified financial advisor for personalized advice.

Business Continuity

We maintain a comprehensive business continuity plan to ensure we can continue to serve our clients in the event of a significant business disruption. This includes backup systems, alternative communication methods, and procedures for accessing client accounts through our custodian partners.

Contact Information

For questions about these disclosures or to request additional information: