Important Disclosure & Terms of Use

Past performance is not indicative of future results. All investments carry risk, and there is no guarantee that any specific investment, strategy, or financial product—including those referenced by Whalen Financial—will be profitable, suitable, or successful. Different types of investments involve varying levels of risk, and results may differ materially over time based on market conditions, client circumstances, and evolving macroeconomic factors.

This content is provided for informational and educational purposes only and should not be construed as investment, legal, or tax advice. Nothing herein constitutes a recommendation to buy or sell any security, nor does it represent an offer or solicitation to invest. Securities may only be offered or sold through proper registration or exemption, using appropriate offering documents.

Portfolio holdings, characteristics, and strategies are subject to change without notice. Actual allocations will vary by client depending on account size, cash flows, restrictions, and timing of trades. There is no guarantee that portfolios will reflect the characteristics or performance described in this content. Indexes mentioned (e.g., S&P 500, NASDAQ, Barclays U.S. Aggregate Bond Index) are unmanaged, do not incur fees, and cannot be invested in directly.

Fixed income investments are subject to interest rate risk, credit risk, inflation risk, and liquidity risk. Bond prices typically decline as interest rates rise. Lower-rated or high-yield bonds involve greater credit risk, including the possibility of default. Duration, yield, and credit quality characteristics discussed may not be reflected in individual client portfolios and are subject to change without notice. Fixed income strategies should be evaluated in the context of overall portfolio objectives and risk tolerance.

While Whalen Financial strives for accuracy and timeliness, all information is provided “as is” and may not be complete, current, or free from error. Opinions, estimates, and projections reflect our judgment as of the date of publication and are subject to change without notice. Whalen Financial assumes no responsibility for errors, omissions, or decisions made based on this content.

Whalen Financial may hold positions in securities discussed and may buy or sell such securities without notice. References to model portfolios, allocations, or hypothetical strategies are illustrative and not representative of actual client performance.

This content is not a substitute for personalized investment advice. Please contact Whalen Financial in writing if your financial situation or objectives change, or if you wish to update or impose reasonable restrictions on your investment advisory relationship.

Whalen Financial is a registered investment advisor. We do not offer legal or accounting advice. A current copy of our Form ADV Part 2 (Brochure) describing our advisory services and fees is available upon request.

All persons accessing this website or subscribing to communications from Whalen Financial agree to these terms of use and to the Terms of Use for Substack, our technology platform. Any proprietary content provided to subscribers is confidential and may not be copied, quoted, or distributed without written consent from Whalen Financial.

Copyright © 2025 Whalen Financial. All Rights Reserved.