TERMS OF USE

UPDATED: February 3, 2021

Advisory clients of East Bay may re-use, re-brand if desired, and distribute the material provided by East Bay, unless otherwise stated, though we ask that you follow our guidelines for redistribution as noted below. 

Additionally, when information is republished and redistributed by your firm, you understand that you take responsibility for the accuracy of the information being presented and are responsible for following your regulators’ requirements for advertisements.

Redistribution of Materials

If using the material verbatim, please include the following disclaimer, replacing XYZ Asset Management with your own Firm Name:

East Bay Investment Solutions and XYZ Asset Management have an arrangement whereby East Bay Investment Solutions provides model recommendations on a consulting basis to XYZ Asset Management.  XYZ Asset Management maintains full discretion and trading authority over its clients’ accounts.

This document contains general information, may be based on authorities that are subject to change, and is not a substitute for professional advice or services.  This document does not constitute tax, consulting, business, financial, investment, legal or other professional advice, and you should consult a qualified professional advisor before taking any action based on the information herein.  This document is intended for the exclusive use of clients or prospective clients of XYZ Asset Management.  Content is privileged and confidential.  Information has been obtained by a variety of sources believed to be reliable though not independently verified.  To the extent capital markets assumptions or projections are used, actual returns, volatilities and correlations will differ from assumptions.  Historical and forecasted information does not include advisory fees, transaction fees, custody fees, taxes or any other expenses associated with investable products.  Actual expenses will detract from performance.  Past performance does not indicate future performance.

The sole purpose of this document is to inform, and it is not intended to be an offer or solicitation to purchase or sell any security, or investment or service.  Investments mentioned in this document may not be suitable for investors. Before making any investment, each investor should carefully consider the risks associated with the investment and make a determination based on the investor’s own particular circumstances, that the investment is consistent with the investor’s investment objectives.  Information in this document was prepared by East Bay Investment Solutions. Although information in this document has been obtained from sources believed to be reliable, East Bay Investment Solutions does not guarantee its accuracy, completeness or reliability and are not responsible or liable for any direct, indirect or consequential losses from its use.  Any such information may be incomplete or condensed and is subject to change without notice.

If modifying the material provided by East Bay, please include the following disclaimer replacing XYZ Asset Management with your own Firms Name:

East Bay Investment Solutions and XYZ Asset Management have an arrangement whereby East Bay Investment Solutions provides model recommendations on a consulting basis to XYZ Asset Management.  XYZ Asset Management maintains full discretion and trading authority over its clients’ accounts.

This document contains general information, may be based on authorities that are subject to change, and is not a substitute for professional advice or services.  This document does not constitute tax, consulting, business, financial, investment, legal or other professional advice, and you should consult a qualified professional advisor before taking any action based on the information herein.  This document is intended for the exclusive use of clients or prospective clients of XYZ Asset Management.  Content is privileged and confidential.  Information has been obtained by a variety of sources believed to be reliable though not independently verified. To the extent capital markets assumptions or projections are used, actual returns, volatilities and correlations will differ from assumptions.  Historical and forecasted information does not include advisory fees, transaction fees, custody fees, taxes or any other expenses associated with investable products.  Actual expenses will detract from performance.  Past performance does not indicate future performance.

The sole purpose of this document is to inform, and it is not intended to be an offer or solicitation to purchase or sell any security, or investment or service.  Investments mentioned in this document may not be suitable for investors. Before making any investment, each investor should carefully consider the risks associated with the investment and make a determination based on the investor’s own particular circumstances, that the investment is consistent with the investor’s investment objectives.  Information in this document was prepared by East Bay Investment Solutions and modified by XYZ Asset Management. Although information in this document has been obtained from sources believed to be reliable, East Bay Investment Solutions and XYZ Asset Management do not guarantee its accuracy, completeness or reliability and are not responsible or liable for any direct, indirect or consequential losses from its use.  Any such information may be incomplete or condensed and is subject to change without notice.

Communicating Relationship with East Bay:

It is important that when  listing East Bay or its personnel as members of your team, you make it very clear that we are providing services in a consulting capacity and not in any shape or form indicate either directly or indirectly that we are employees of your firm.  You may use our photos and bio, and may give us a title other than one that is reserved for officers of the company such as Chief Investment Officer.  “Chief Investment Strategist” is often used.  Whenever you present East Bay or one of its personnel, please add the following statement:

(Mario or Eric) is a Partner at East Bay Investment Solutions, a Registered Investment Advisory firm which supplies research services to XYZ Asset Management under contract.

Or something like:

“East Bay Investment Solutions serves as XYZ Asset Management’s ’s “Collaborative” Investment Officer. East Bay assists XYZ with portfolio construction, investment monitoring, and staying up-to-date on current research and market events. Founded in 2014, East Bay is a registered investment adviser, meaning that they also serve in a fiduciary capacity. This collaborative relationship elevates our client experience by bringing more experience and knowledge to the table.”

Required Advertising Disclosures:

The following disclosures are required when using the Morningstar Snapshots for soliciting prospects or to maintain existing relationships:

Performance:

Performance figures do not reflect the deduction of investment advisory fees.  Client’s return will be reduced by the advisory fees and any other expenses it may incur in the management of its investment advisory account. The collection of fees produces a compounding effect on the total rate of return net of management fees.  As an example, the effect of investment management fees on the total value of a client’s portfolio assuming (a) quarterly fee assessment, (b) $1,000,000 investment, (c) portfolio return of 8% a year, (d) 1% annual investment advisory fee would be $10,416 in the first year, and cumulative effects of $59,816 over five years and $143,430 over 10 years. Refer to the Firm’s ADV Part 2A for the fee schedule. Past performance is no guarantee of future results.

Top Holdings:

The securities identified and described do not represent all of the securities purchased, sold, or recommended for client accounts.  The reader should not assume that an investment in the securities identified was or will be profitable.

Limited use of Morningstar Snapshots:

Page 3 of the Morningstar snapshot that includes returns of the specific holdings is not to be redistributed to prospective and existing clients.  It is intended for the Advisor only.