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Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

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Office: 805-880-9444

401 Chapala St #105 Santa Barbara, CA 93101

1085 Higuera St #120

San Luis Obispo, CA 93401

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Foronjy Financial LLC  (“RIA Firm”) is a registered investment adviser located in Santa Barbara, CA and San Luis Obispo, CA. Foronjy Financial LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Foronjy Financial LLC’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Foronjy Financial LLC’s web site on the Internet should not be construed by any consumer and/or prospective client as RIA Firm Name’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Foronjy Financial LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Foronjy Financial LLC, please contact the state securities regulators for those states in which Foronjy Financial LLC maintains a registration filing. A copy of Foronjy Financial LLC’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Foronjy Financial LLC upon written request. Foronjy Financial LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Foronjy Financial LLC’s web site or incorporated herein, and therefore takes no responsibility. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Foronjy Financial LLC’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RIA, or from any other investment professional.

Insurance products and services are offered and sold through Halo Investing and their individually licensed and appointed insurance agents.

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