Read the following disclosures regarding the Hoover Financial Advisors website and all of the content contained herein.

    1. This website may include forward-looking statements.  All statements other than statements of historical fact are forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”).  Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct.  Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.
    2. Past performance is not indicative of any specific investment or future results.  Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.
    3. Any information provided by Hoover Financial Advisors regarding historical market performance is for illustrative and education purposes only. Clients or prospective clients should not assume that their performance will equal or exceed historical market results and/or averages.
    4. The material listed in this website is current as of the date noted, and is for informational purposes only, and does not contend to address the financial objectives, situation, or specific needs of any individual investor. Any information is for illustrative purposes only, and is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.
    5. Hoover Financial Advisors 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 HFA’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
    6. This web site is owned by Hoover Financial Advisors (HFA).  This web site and any and all accompanying screens, information, materials, user documentation, user interfaces, images, arrangements of information, related software and other proprietary property of HFA or its licensors accessible via the web site (collectively hereafter referred to as the “Web Site”) is and shall remain the exclusive property of HFA and its licensors, as the case may be.  All rights to the Web Site remain with HFA or its licensors.  This site is for your personal and non-commercial use.  You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this site.
    7. Any rankings or awards cited were provided by independent third-parties based on their pre-determined evaluation criteria. HFA neither provided any financial renumeration to these third-parties nor exercised any influence or control over the criteria used or the results generated, other than providing or making available, directly or indirectly, objective numerical data that could have been used by third-party as input variables.
    8. Staff photography was completed by Amy Turnbull and Michael Redmond.
    9. Investment strategies, philosophies and allocation are subject to change without prior notice.
    10. Registration with the SEC should not be construed as an endorsement of skill or investment acumen. Nothing on this website should be construed to imply that services comparable to those offered by the Adviser cannot be found elsewhere.
    11. In general, investment in foreign issuer securities entails additional risks such as limited transparency and accounting overview, varying frequency, availability and quality of financial information, limited enforcement opportunities by US regulators, and limited shareholder rights and/or remedies.
    12. Investors should understand that an index fund tracking a specific emerging market or international index generally does not consider or weigh investor protection considerations when investing in a particular security. In addition to a number of considerations when investing in any fund, investors in index funds and other passively-managed funds should understand the potential impact of the fund’s passive investing strategy on the investor’s exposure to risks in emerging or international markets. For example, an emerging market index fund may seek to track a specific emerging market index, and therefore may invest in all of the securities included in that index or only a sample of those securities. However, the composition of the emerging market index itself generally would not weigh individual securities by investor protection considerations. That is, in index construction, decisions are made on a jurisdiction-wide basis. For example, once jurisdiction is included, individual securities from that jurisdiction are included in the index based on the index provider’s specific weighting methodology (e.g., based on market capitalization). The index may or may not weigh the jurisdiction as a whole on the basis of investor risk or other factors in addition to market capitalization. Investors should consider these index construction decisions and the related risks when investing such funds.
    13. Industry registrations, designations or recognitions should not be construed as an endorsement or a recommendation to retain the Adviser by the granting entity or any regulatory authority.


The following are sources used for stats throughout the site:
  1. http://www.financial-planning.com/slideshow/12-terrifying-retirement-facts-keeping-boomers-and-their-advisors-up-at-night-br-br#slide-13
  2. https://www.northwesternmutual.com/en/about-us/studies/planning-and-progress-2015-study
  3. http://www.financial-planning.com/news/practice/world-wealth-report-wealthiest-clients-want-to-consolidate-advisors-2685434-1.html
  4. http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2013/01/16/why-financial-planning-matters
  5. http://money.cnn.com/2015/04/10/investing/investing-52-percent-americans-have-no-money-in-stocks/
  6. http://www.americanbar.org/groups/real_property_trust_estate/resources/estate_planning/estate_planning_faq.html#1
  7. http://www.cnbc.com/2015/04/29/one-third-of-americans-lack-a-future-financial-plan-study.html

Award disclosures

  1. Click here to review qualifications and specifications for the Financial Times Top 300 List:
    1. https://www.ft.com/content/44d2b2b2-6cef-11e9-9ff9-8c855179f1c4
    2. The Financial Times 300 Top Registered Investment Advisers is an independent listing produced annually by the Financial Times (June 2019). The FT 300 is based on data gathered from RIA firms, regulatory disclosures, and the FT’s research. The listing reflected each practice’s performance in six primary areas: assets under management, asset growth, compliance record, years in existence, credentials and online accessibility. This award does not evaluate the quality of services provided to clients and is not indicative of the practice’s future performance. Neither the RIA firms nor their employees pay a fee to The Financial Times in exchange for inclusion in the FT 300.
  2. Click here to review qualifications and specifications for the Forbes Best in State list:
    1. https://www.forbes.com/sites/rjshook/2019/02/20/forbes-best-in-state-wealth-advisors-methodology-2019/#1ef47d924ed1
  3. Click here to see the qualifications and specifications for the Philadelphia Business Journal Best Place to Work:
    1. https://www.bizjournals.com/philadelphia/news/2020/06/16/best-places-to-work-2020-small-companies.html 
  4. Click here to see the qualifications and specifications for the Advisory HQ award:
    1. https://www.advisoryhq.com/articles/top-best-financial-advisors/#Philadelphia-PA
  5. Click here to see the qualifications and specifications for the Expertise award:
    1. https://www.expertise.com/pa/philadelphia/financial-advisors

Professional designations

Professional Designation Further Information
CFP Certified Financial Planner https://www.cfp.net/become-a-cfp-professional/cfp-certification-requirements
CFA Chartered Financial Analyst https://www.cfainstitute.org/en/programs/cfa/charter
ChFC Charted Financial Consultant https://www.theamericancollege.edu/designations-degrees/ChFC
EA Enrolled Agent https://www.irs.gov/tax-professionals/enrolled-agents/become-an-enrolled-agent
APMA Accredited Portfolio Management Advisor https://www.cffp.edu/APMA
CMFC Charted Mutual Fund Counselor https://www.cffp.edu/CMFC
CIMA Certified Investment Management Analyst https://investmentsandwealth.org/cima
CSLP Certified Student Loan Professional https://cslainstitute.org/
CPA Certified Public Accountant https://www.picpa.org/future-cpas/become-a-cpa
AIF Accredited Investment Fiduciary https://www.finra.org/investors/professional-designations/aif 
PPC Professional Plan Consultant https://www.finra.org/investors/professional-designations/ppc