Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. William Howard and/or BENCHMARK FINANCIAL LLC dba WILLIAM ARTHUR WEALTH are not affiliated with or endorsed by the Social Security Administration or any other government agency. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.

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No client or prospective client should assume that any information presented or made available on or through this website constitutes personalized financial planning or investment advice. Personalized financial planning and investment advice can only be provided after a formal client relationship has been established, required documentation has been executed, and all applicable disclosures have been delivered.

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Advisory Services Disclosure

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Investment advisory services are offered through Virtue Capital Management, LLC (“VCM”), an SEC-registered investment advisor. BENCHMARK FINANCIAL LLC dba WILLIAM ARTHUR WEALTH and VCM are independent of each other.

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For a complete description of investment risks, fees, and services, please review VCM’s Form ADV Part 2A, which is available from your Investment Adviser Representative or by contacting Virtue Capital Management directly.

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Fiduciary and Compensation Disclosure

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The fiduciary duty of the Investment Adviser Representative (“IAR”) applies solely to investment advisory services and does not extend to insurance product sales, including annuities, life insurance, and long-term care insurance, or to broker-dealer services.

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Advisory clients are charged a fee based on assets under management. Insurance products are sold on a commission basis. This compensation structure may create a conflict of interest, as the IAR may receive commissions or other compensation, including ongoing trails, when acting as a licensed insurance agent.

Clients are under no obligation to purchase insurance or commission-based products through the IAR.

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Regulatory Resources

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You can check the background of your financial professional on FINRA’s BrokerCheck and view the SEC’s Investment Adviser Public Disclosure (IAPD) database.

Third-Party Tools and Information

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All information and data provided through the OnPointe Risk Analyzer and other third-party tools are derived from sources believed to be reliable; however, accuracy and completeness cannot be guaranteed.

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Neither VCM nor its affiliates, officers, owners, employees, investment adviser representatives, licensors, or contractors shall be liable for any errors, omissions, or inaccuracies. This material is for informational purposes only and is not intended to be a solicitation, offering, or recommendation of any security, investment management service, advisory service, insurance service, or commodity trading advice. VCM does not represent that any products, services, or strategies discussed are suitable for all investors.

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CFP® Certification Disclosure

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CERTIFIED FINANCIAL PLANNER™, CFP®, and the CFP® logo are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.