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Please read the following important information and disclaimer. Welcome to the home of The Financial Planning Association of Middle Tennessee (FPA-MidTN). This web site is designed to provide general, not specific, information about financial planning related topics. Financial planning is a complex field and each individual's situation is different. Therefore, the information contained herein should not be utilized or relied upon to formulate, assess, develop or implement your personal financial plan. Nothing in these pages is intended to provide either general or specific financial planning, investment, insurance, tax, legal, or other advice. Consult your financial advisor, attorney, accountant or tax advisor with regard to your individual situation. You are not a client, either express or implied, of the FPA-MidTN and the FPA-MidTN is not licensed to provide individual personal financial planning. The FPA-MidTN is a non profit, professional membership organization promoting ethics, integrity, professionalism and consumer awareness in financial planning. All information
contained in this site is subject to U.S. and international copyright
and may not be stored, copied, reproduced or disseminated by any
means whatsoever without the specific written authority of the FPA-MidTN.
Consumers, subject to all terms and conditions contained herein
are granted permission to print one copy of any article contained
on this web site for personal use only. With Regard to any listed Local CFP Members: The information provided on listed Local CFP Members was obtained from the individual members and FPA-MidTN assumes no responsibility that the information is current and/or accurate. Reference to the state licenses refers to the states where practitioners are licensed for security sales. The level of security licenses can and will vary between practitioners. Some practitioners may also be licensed in states for insurance related products and some may not. Insurance licenses per state are not included in the information listed. The practitioner listing is for information only and is not a solicitation of services. If the consumer decides to contact the practitioner to request services, it is the consumer's exclusive responsibility to determine from the practitioner the geographic area of practice and applicable licenses. Since practitioners add and delete their licenses for states periodically, and since FPA-MidTN is not promptly made aware of such changes, and the posting of such changes may not be made before 90 days following notification to FPA-MidTN by the practitioner, it is the consumer's responsibility to verify the accuracy of the listed information on any practitioner prior to discussing any potential services. With Regard to Internet Links: At certain places on this FPA-MidTN Internet site, live "links" to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions, organizations or individuals independent of the FPA-MidTN. The FPA-MidTN does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by the FPA-MidTN. By agreeing below, you expressly
agree that you understand and agree to the provisions
and limitations expressed in this "Important Notice to all
Consumers" which is subject to change from time to time without
notice or notification.
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