Important Disclaimers
& Risk Information

Capital Ideas, Inc. is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940. SEC registration does not imply a certain level of skill or training, nor does it constitute an endorsement by the SEC.

Our registration information is available through the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

A copy of our current Form ADV Part 2A and Part 2B are available upon request and can be found on our Form ADV & CRS page.

Capital Ideas provides investment advisory services to individuals, families, and institutions. Our services include:

• Investment management and portfolio supervision
• Financial planning and consultation
• Asset allocation and investment strategy development
• Risk assessment and management

We act in the best interests of our clients and are legally obligated to act in their best interests. Our fee structure is disclosed in our Form ADV Part 2A, and we do not receive commissions from the sale of investment products.

All investments carry risk, and clients should be prepared to bear the risk of loss. Key risks include but are not limited to:

• Market Risk: The risk that securities prices will decline due to market factors
• Credit Risk: The risk that bond issuers may default on their obligations
• Interest Rate Risk: The risk that changing interest rates will affect bond prices
• Inflation Risk: The risk that inflation will erode purchasing power
• Liquidity Risk: The risk that investments cannot be sold quickly at fair market value
• Concentration Risk: The risk of investing too heavily in a single security or sector

We work with each client to assess their risk tolerance and develop appropriate investment strategies. However, no investment strategy can guarantee profits or protect against losses.

Past performance is not indicative of future results. Investment performance can be affected by market conditions, economic factors, and individual security selection. Key considerations:

• Performance results may vary significantly among clients based on individual circumstances
• Returns are calculated net of advisory fees unless otherwise specified
• Benchmark comparisons may not reflect the same risk profile as client portfolios
• Results may not account for the impact of taxes on individual client returns

Any performance information provided is for illustrative purposes only and should not be considered a guarantee of future performance or a recommendation to invest.

The information provided on this website is for educational and informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security.

Market commentary and analysis represent our views at the time of publication and may change without notice. Economic and market conditions can change rapidly, and our opinions may not reflect current market conditions.

Any forward-looking statements or projections are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially.

This website may contain information or links to third-party websites. Capital Ideas does not endorse or control the content of third-party sites and is not responsible for their accuracy or reliability.

Any references to third-party products, services, or organizations are for informational purposes only and do not constitute an endorsement or recommendation.

Market data and benchmark information may be obtained from third-party sources believed to be reliable, but we cannot guarantee its accuracy or completeness.

Several of our team members hold the Chartered Financial Analyst (CFA) designation. The CFA designation is awarded by the CFA Institute to candidates who have:

• Passed three levels of examinations covering a broad range of investment topics
• Demonstrated relevant work experience in the investment field
• Committed to upholding the CFA Institute Code of Ethics and Standards of Professional Conduct

Capital Ideas enters into investment advisory relationships through written agreements that outline the scope of services, fee structure, and terms of engagement. Key points:

• Investment advisory services are provided only to clients with whom we have formal agreements
• We have a duty to act in our clients' best interests
• Clients retain the right to terminate advisory agreements at any time
• Our fee structure is transparent and disclosed in writing

We encourage prospective clients to carefully review all agreements and disclosures before establishing an advisory relationship.

Capital Ideas maintains strict confidentiality regarding client information and adheres to applicable privacy laws and regulations. We do not share client information with third parties except as required by law or with client consent.

For detailed information about our privacy practices, please review our Privacy Policy.

If you have questions about these disclaimers or our investment advisory services, please contact us: