LEGAL TERMS
InterOcean Capital, LLC (“Advisor”) is a registered investment advisor located in Chicago, Illinois. Our website is only intended for clients and interested investors residing in states in which the Advisor is qualified to provide investment advisory services. Please contact InterOcean Capital, LLC at 312-648-1720 to find out if the investment advisor is qualified to provide investment advisory services in the state where you reside.
Our website is intended to present general information about InterOcean Capital, including descriptions of the services that we offer our clients, biographical information about our professionals, a description of our investment philosophy, and descriptions of our proprietary investment strategies. Nothing provided on our website constitutes tax, legal, accounting, or investment advice. Our website is not a solicitation, offer, recommendation, or advice to buy, sell, or hold securities or other investments, or to pursue any investment style or strategy. Any decisions you make based on information provided on our website are your sole responsibility.
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’s or interested investor’s investment portfolio.
In the professional biographies of our investment professionals, you will see references to the professional certifications of CFA, CFP®, CPA, and ChFC®.
The Chartered Financial Analyst (CFA) designation is an international professional certification offered by the CFA Institute (formerly AIMR) to financial analysts who complete a series of three examinations. To become a CFA charterholder, candidates must: (i) pass each of three six-hour exams; (ii) possess a bachelor’s degree from an accredited institution (or have equivalent education or work experience); and (iii) have 48 months of qualified, professional work experience. CFA charterholders are also obligated to adhere to a strict Code of Ethics and Standards governing their professional conduct.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The Certified Public Account (CPA) designation is a professional license for public accountants granted by different authorities from state to state. In Illinois, the only state for which Advisor has a CPA, licensees must: (i) complete 150 credit hours (minimum of 30 credit hours in accounting) and obtain a baccalaureate or higher degree; (ii) pass the Uniform CPA Examination; (iii) Pass the American Institute of Certified Public Accountants (AICPA) Professional Ethics Examination; (iv) complete a minimum of one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision or verification by a CPA; and (v) complete 120 hours of Continuing Professional Education (CPE) during each three year licensing period.
The Chartered Financial Consultant® (ChFC®) designation is administered by The American College of Financial Services. To earn the ChFC® designation, candidates must: 1) have taken eight or more college-level courses that address all aspects of financial planning; 2) complete a minimum of 30 hours of continuing education every two years; 3) meet experience requirements and ethics standards; and 4) agree to comply with The American College Code of Ethics and Procedures. All ChFC® advisors are required to do the same for clients that they would do for themselves in similar circumstances, the standard of ethical behavior most beneficial for their clients. The ChFC® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission.
Past performance may not be indicative of future results. Therefore, no client or interested investor should assume that the future performance or any specific investment, investment strategy, or product made reference to directly or indirectly on our website will be profitable or equal to corresponding indicated performance levels.
By using our website, you agree that we will not be liable to you as a result of your use of our website or the information contained herein, and by using our website, you agree to indemnify and hold us harmless from and against all damages, liabilities, losses, costs or expenses we incur relating to your use of our website.