Registration Information
Investment advisory services offered through Phibbs Financial Services LLC (“Phibbs Financial”), a registered investment advisor in the state of Utah and other jurisdictions where exempted. Insurance products and services offered and sold separately through Phibbs Insurance Services LLC in all appropriate jurisdictions.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. 

The information is not designed or intended to provide specific legal or tax advice. Please note that Phibbs Financial does not give legal or tax advice. You are encouraged to consult your accountant or attorney. 

Individual responses to persons involving either a securities transaction or personalized investment advice for compensation will not be made without appropriate registration or exemption. 

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

Electronic Transmission Disclaimer

Phibbs Financial only transacts business in states where it is properly registered or exempted from registration. Phibbs Financial does not accept time-sensitive transactional messages, including orders to buy or sell securities. Do not use email to request, authorize, or send securities transfer instructions. Confidentiality Notice: All email transmissions from Phibbs Financial, including any attachments, are intended only for the person or entity to which it is addressed and may contain privileged and/or confidential material. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution, or copy of this message is strictly prohibited. If received in error, please notify the sender immediately and delete/destroy the message and any copies thereof. This does not constitute investment advice and is not intended as an offer or solicitation to anyone. It is presented for informational purposes only. The products or services described or referenced herein may not be suitable or appropriate for the recipient. Many of the products and services described or referenced herein involve risks and the recipient should not make any decisions or enter into any transaction unless the recipient has fully understood all such risks and has independently determined that such decisions or transactions are appropriate for the recipient.  

Website Content
This website is for information purposes only and does not constitute a complete description of our investment services. The information on this website is not an offer by or on behalf of Phibbs Financial or its affiliates to sell or solicit an offer to buy any security or other services. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statue. Follow-up or individualized responses to consumers in a particular state by Phibbs Financial in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. 

Information throughout this website, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.

There are no warranties, expressed or implied, to the accuracy, completeness, or results obtained from any information posted on this or any ‘linked’ website. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this website, or indirectly via link to any unaffiliated third-party website, will be profitable or equal to corresponding indicated performance level.

Blog Posts

Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by the Firm), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.

Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from the Firm. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.

Phibbs Financial is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice.

Media

Any media created by Phibbs Financial are provided for general information purposes only and do not constitute accounting, legal, tax, or other professional advice. Visitors/watchers/listeners should not act upon the content or information here without first seeking appropriate advice from an accountant, financial planner, lawyer, or other professional. 

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.