This website is a publication of BMS Financial Advisors. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.

Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional advisor should be consulted before implementing any of the options presented.

Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein.

Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto.

BMS Financial Advisors is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

The content of this website is provided for informational purposes only, and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. BMS Financial Advisors is not engaged in the practice of law or accounting.

Investment advisor representatives of BMS Financial Advisors are also registered representatives of SagePoint Financial, member FINRA/SIPC. They may receive commissions on the sale of securities, including 12b-1 distribution fees from investment companies in connection with the placement of clients' funds into investment companies.

Associated persons of BMS Financial Advisors may recommend the purchase of insurance-related products. Doug Maher, Hugh Boyle, Jarrett Apa, and Nate Starkey are licensed insurance agents with various insurance companies and may receive additional compensation for such transactions.

Articles in our Learning Center were prepared by a third-party journalist who is not affiliated with BMS Financial Advisors.  

It is not known whether the listed clients approve or disapprove of the firm or all of the advisory services provided. This list represents all clients who have (list criteria) and gave permission to use their names. Performance-based criteria were not used in selecting which clients to include on this list.

Important Disclaimers: BMS Financial Advisors, LLC ("BMS Financial") is a Registered Investment Advisor ("RIA") with the U.S. Securities and Exchange Commission (“SEC”). BMS Financial provides investment advisory and related services for clients nationally. BMS Financial will maintain all applicable registration and licenses as required by the various states in which BMS Financial conducts business, as applicable. BMS Financial renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Terms of Use: Please read these terms and conditions of use (“Terms”) carefully before using the website located at http://www.bmsadvisors.com/ (“Website”) or any of the information or services provided by BMS Financial Partners, LLC (collectively “BMS Financial”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by BMS Financial in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

BMS Financial reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

These Terms were last updated on August 5, 2019.

Risk Disclosures:

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.  

Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about BMS Financial and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. BMS Financial does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise BMS Financial, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.

BMS Financial will provide all prospective clients with a copy of our current Form ADV, Part 2A ("Disclosure Brochure") and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us to request a free copy via .pdf or hardcopy.

Email Disclosures

BMS Financial often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. BMS Financial makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send BMS Financial private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

Please note: BMS Financial does not accept trading or money movement instructions via email.

As a registered investment advisor, BMS Financial emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of BMS Financial or the securities regulators.

If you have received an email from BMS Financial in error, we ask that you contact the sender and destroy the email and its contents.

If you have any questions regarding our email policies, please Contact Us.

Social Websites

BMS Financial may utilize third-party websites, including social media websites, blogs and other interactive content. BMS Financial considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, BMS Financial generally retains copies of information that BMS Financial or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of BMS Financial or the securities regulators.

Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by BMS Financial's advisory persons after entering into an advisory agreement and provided BMS Financial with all requested background and account information.

If you have any questions regarding our policies, please Contact Us.