Innermost Wealth Management, LLC Disclosure Information

Investment Advisory Services

Investment advisory services are offered through Innermost Wealth Management, LLC (“IWM”), an independent, woman-owned and woman-led Registered Investment Adviser in the State of Michigan. IWM transacts business only in states where it is properly registered, or is excluded or exempt from registration requirements. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by any regulatory authority.

Jurisdiction

This website is intended for U.S. residents only and does not constitute an offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful.

Website Content

This website is a publication of IWM. Information presented is believed to be accurate and current; however, accuracy is not guaranteed and should not be regarded as a complete analysis of the subjects discussed. All information and materials are provided “as is” without warranty of any kind, either express or implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, or non-infringement.

The content is for general informational purposes only and does not constitute personalized investment advice or a recommendation to buy or sell any security. Any information provided does not take into account the specific objectives, financial situation, or needs of any particular person. No offer to provide advisory services is made via this site.

Opinions and Investment Risk

All expressions of opinion reflect the judgment of IWM as of the date of publication and are subject to change without notice. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Always consult a qualified legal, tax, investment, or mental health professional regarding your situation before making decisions.

External Links

External links are provided solely for convenience and informational purposes. IWM is not responsible for the accuracy, legality, or content of any external site, or for that of subsequent links, and does not endorse or approve any products, services, or opinions of the organizations or individuals referenced therein.

Certifications and Designations

Professional designations and licenses referenced on this website are voluntary credentials or regulatory registrations. They are not intended to imply a particular level of skill, competence, training, or expertise and should not be interpreted as an endorsement, authorization, approval, recommendation, sponsorship, or verification by any regulatory authority, governmental agency, or professional organization.

CERTIFIED FINANCIAL PLANNER™ (CFP®) - The CFP® designation is issued by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. and is a voluntary certification recognized by the United States and other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice and (3) ethical requirements governing professional engagements with clients. A candidate for designation must first obtain a bachelor’s degree from an accredited college or university with courses that included financial planning subject areas (e.g. insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning). Candidates must also have at least 3 years of full-time personal financial planning experience, measured as 2,000 hours per year. CFP® candidates must pass a comprehensive examination designed to test their ability to correctly diagnose financial planning issues and apply their knowledge to real world circumstances. Candidates must also agree to be bound by the CERTIFIED FINANCIAL PLANNER Board’s Standards of Professional Conduct. Anyone earning designation as a CFP® must complete 30 hours of continuing education every two years and renew the agreement to be bound by the Standards of Professional Conduct.

Chartered Retirement Planning Counselor℠ (CRPC®) - The SM and CRPC are service marks of the College of Financial Planning®. The CRPC designation indicates successful completion of course requirements set forth by the College. The College for Financial Planning awards the CRPC designation to students who complete the program, pass the final examination, and sign a code of ethics commitment and declaration form. Successful students receive a certificate and are granted the right to use the designation on correspondence and business cards. The CRPC program focuses on the pre and post retirement needs of individuals, allowing the retirement planning process to be transformed into a positive experience. Enrollment in the program provides knowledge in a variety of principles in the retirement planning field.

Series 66 – Uniform Combined State Law Examination - The Series 66 examination is administered by the Financial Industry Regulatory Authority (FINRA) on behalf of the North American Securities Administrators Association (NASAA). The Series 66 license qualifies an individual to act as an investment adviser representative, subject to state registration requirements.

The Series 66 license is a regulatory requirement for certain advisory activities and does not constitute an endorsement by any regulatory authority or guarantee of skill or expertise

Michigan Insurance Producer License - Kimberly Houston holds a Michigan Life, Accident & Health Insurance Producer License (including annuity authority).

IWM is a fee-only registered investment adviser. IWM does not sell insurance products under any circumstances and does not receive commissions or other compensation related to the sale of insurance products. Kimberly Houston does not transact insurance business or receive compensation from insurance sales in connection with advisory services provided through IWM.

Psychology - Psychology-related programs referenced on this website reflect educational and professional training intended to support communication, behavioral awareness, and financial decision-making. They do not constitute professional licensure or authorization to practice psychology, counseling, therapy, social work, or any other regulated mental health profession. Kimberly Houston is not a licensed mental health professional. Innermost Wealth Management, LLC (“IWM”) does not provide psychotherapy, psychological counseling, mental health treatment, medical services, or diagnosis of any medical or psychological condition.

Hypothetical Case Studies

Case studies are hypothetical and do not reflect the experience of any specific client of Innermost Wealth Management, LLC. They are provided for illustrative and educational purposes only and do not represent actual investment performance or specific financial results. No representation is being made that any current client or prospective client will or is likely to achieve similar outcomes, or level of satisfaction. Actual results will vary and depend on individual circumstances, market conditions, and implementation decisions. All investing involves risk, including the possible loss of principal.

Intellectual Property

All content on this site, unless otherwise noted, is the property of IWM and may not be reproduced, distributed, or transmitted without prior written permission.

Limitation of Liability

To the fullest extent permitted by law, IWM will not be liable for any damages, losses, or expenses arising from the use of this site or reliance on its contents.