The following important documents, disclosures and other legal information outline and govern the relationship between Users (“you”) and WorthNet, LLC (“WorthNet,” “we,” “us,” “our”). Please ensure you read and understand these materials before using our website or services. By accessing or continuing to use this site, you acknowledge and agree to be bound by the applicable terms and conditions. If you do not agree to and accept these terms, you must not access or use the site or its services.

Important Documents

ADV 2A Brochure – The Form ADV 2A brochure provides key information about our advisory services, fees, conflicts of interest, and disciplinary history. It’s the main disclosure document investment advisers provide to describe their business, as required by law.

Affiliated Entity Relationship Disclosure – Our Affiliated Entity Relationship Disclosure is intended for individuals who access our site via a referral token from a WorthNet-affiliated company. It outlines the nature of the relationship between WorthNet and the referring affiliate.

Privacy Policy & Cookie Policy – Our Privacy Policy & Cookie Policy provides information on collecting, using, and protecting the personal data of those who elect to use our Services to promote compliance and transparency, including information on state-specific rights.

Privacy Notice – GLBA – This notice supplements our Privacy Policy and outlines our information-sharing practices as required under the Graham-Leach-Bliley Act (“GLBA”), including information on what sharing you can restrict and how.

Promoter’s Disclosure Statement – As a promoter-only registered investment adviser, our Promoter’s Disclosure Statement outlines the relationship between WorthNet and the partner advisers to whom we refer prospective investors, including any associated conflicts of interest. You are required to acknowledge receipt of and agreement to this disclosure prior to being referred to a partner adviser.

Terms of Use & Agreement – Your access to and use of our website and electronic communication services are governed by the Terms of Use & Agreement and conditions outlined in this document.

Additional Disclosures

Registration Status

WorthNet is registered as an investment adviser solely providing promoter referral services in all states that require such registration. A current list of our registration status can be viewed on the SEC’s website at www.adviserinfo.sec.gov. Click on the link, select “Investment Adviser – Firm,” and type “WorthNet, LLC” or CRD #333488. The search results will display all firm disclosure brochures and state registration details.

No Investment Advice Provided

WorthNet does not provide personalized investment advice, open client accounts, manage or supervise individual client portfolios, or influence the outcome of the adviser matching process. We do not monitor partner adviser performance, conduct securities analysis, or offer recommendations on specific investments. Once a referral is made, all investment advice is delivered exclusively by the referred RIA, who is solely responsible for evaluating client suitability and all analysis, recommendations, financial planning, and advisory services provided in the course of managing the advisory relationship.

Performance  

Past performance is not indicative of future results and may reflect returns achieved during specific periods or under exceptional market conditions. All investments involve risk, including the potential loss of principal. No investment strategy, asset allocation, or use of a referred partner adviser guarantees improved performance or intended outcomes. Actual results will vary among investors due to differences in fees, trading activity, portfolio decisions, and individual circumstances. Diversification and investment selection do not ensure better performance or reduced risk. Any performance data presented is current as of the date(s) indicated and may fluctuate.

This material may include forward-looking statements, which are inherently subject to risks and uncertainties – actual outcomes may differ materially. References to indices are for illustrative and comparison purposes only; indices are unmanaged, not investable, and do not reflect fees or specific portfolio or investment product’s composition, objectives, or results. Projected or hypothetical performance is based on historical data and assumptions, including average returns and standard deviations. These projections do not represent actual accounts or transactions and do not account for taxes, changes in risk tolerance, or future investment decisions. They are presented with the benefit of hindsight and may not reflect the impact of significant economic or market events. There is no guarantee that such performance will be replicated or that it accurately represents the investor experience. Prospective investors should understand that both gains and losses are possible, and hypothetical results may not fully capture the risks or variability of real-world investing. Any testimonials or endorsements provided regarding performance or otherwise are not necessarily representative of the views or experiences of all individuals. These individuals may or may not ultimately become clients of the referred partner advisers. WorthNet does not provide compensation for any testimonials or endorsements themselves.

Risk Disclosure

Investing involves substantial risk, including the potential loss of all or part of the invested capital. No investment strategy can guarantee a profit or protect against loss during periods of market decline. Each investor’s financial situation, investment objectives, risk tolerance, and time horizon are unique. An investment that may be appropriate for one individual may be unsuitable for another. Investment products vary significantly in complexity, liquidity, volatility, and regulatory oversight, and each may carry distinct disclosure requirements.

This general disclosure is not a substitute for reviewing the official offering documents or disclosures associated with a particular investment. Accordingly, no investment strategy or product should be pursued without careful consideration. Prospective investors utilizing the Service who are considering becoming clients of any referred partner adviser should fully understand the risks involved and are strongly encouraged to review the partner adviser’s Form ADV Part 2A disclosure brochure and any relevant offering documents to gain insight into both common and specific marketplace risks that could affect their portfolios. Before taking any action based on analysis, advice, or recommendations, investors should always ensure they have a comprehensive understanding of the structure, risks, and costs associated with the securities product under consideration. This includes, but is not limited to, all applicable fees, commissions, expenses, and the potential for loss of principal. Investment decisions should be based on an investor’s thorough due diligence, financial goals, risk tolerance, and personal circumstances.

This communication is intended only for individuals with sufficient knowledge and experience to evaluate the information presented and its relevance to their financial circumstances. The information provided herein does not constitute legal, tax, real estate, or individualized investment advice, nor does it represent a solicitation to buy or sell any security. Investors are strongly encouraged to consult with their legal, tax, and other financial advisors as appropriate for their situation to conduct proper due diligence and assess the suitability of the investment risk relative to their circumstances before making investment decisions.

Tax Disclosures

Investors are strongly encouraged to consult with their tax advisors regarding the tax implications of any investments. Clients and their tax advisors are solely responsible for ensuring that all transactions conducted within any investment account(s) they may choose to open with their referred partner adviser are properly reported to the IRS or any other relevant tax authorities on their personal tax returns. WorthNet assumes no responsibility for any tax consequences arising from client transactions.

Glossary of Terms

Bitcoin – A cryptocurrency first proposed by Satoshi Nakamoto in 2008. Bitcoin uses a specific technology called blockchain which prevents the double spending of any bitcoin and allows for unprecedented security. There are currently thousands of cryptocurrencies and tokens based on blockchain technology.

Cryptocurrency – Also known as crypto, is a form of digital currency that uses cryptography to secure transactions. Most cryptocurrencies operate on decentralized networks that use blockchain technology to record transactions and issue new units.

Disinflationary Trend – A sustained decrease in the rate of inflation over time. This means that prices are still rising, but at a slower pace than before.

Diversification – Diversification is a strategy that can be neatly summed up as “Don’t put all your eggs in one basket.” The strategy involves spreading your money among various investments in the hope that if one loses money, the others will make up for those losses.

Money Supply – The total amount of money – cash, coins, and balances in bank accounts – in circulation. Standard measures of money supply:

• The monetary base – The sum of currency in circulation and reserve balances, or deposits held by banks and other depository institutions in their accounts at the Federal Reserve.
  
• M1 – The sum of currency held by the public and transaction deposits (inclusive of currency held by the public and transaction deposits—a category that includes balances held in checking accounts and other very liquid deposits) at depository institutions (which are financial institutions that obtain their funds mainly through deposits from the public, such as commercial banks, savings and loan associations, savings banks, and credit unions) and branches of foreign banks operating in the United States.
  
• M2 – M1 plus small-denomination time deposits (those issued in amounts of less than $100,000) and retail money market mutual fund shares.

S&P 500^® Index – (Registered trademark of The McGraw-Hill Companies, Inc.) An unmanaged index of 500 common stocks primarily traded on the New York Stock Exchange, weighted by market capitalization. Index performance includes the reinvestment of dividends and capital gains.

Stablecoin – Stablecoins are a type of cryptocurrency whose value is pegged to another asset, such as a fiat currency or gold, to maintain a stable price.