Important Disclosures

Overview

This page contains important legal and regulatory disclosures regarding the investment advisory services provided by Meridian Equity Advisors. Please read these disclosures carefully before engaging our services.

Regulatory Information

SEC Registration

Meridian Equity Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940. Our SEC registration number is 801-XXXXX (fictional).

Important: Registration with the SEC does not imply a certain level of skill or training, nor does it constitute an endorsement by the SEC of our advisory services.

Form ADV

Our Form ADV Part 2A (firm brochure) and Part 2B (brochure supplement) contain detailed information about:

• Our advisory business and services
• Fee schedules and billing practices
• Investment strategies and risk factors
• Disciplinary information
• Conflicts of interest
• Key personnel backgrounds

These documents are available upon request and can be obtained by contacting us at (813) 555-0123 or info@meridianequityadvisors.com.

State Registrations

We are also registered or notice-filed in the following states where we conduct business:

• Florida (CRD# XXXXX)
• California (CRD# XXXXX)
• Illinois (CRD# XXXXX)

Investment Risks

General Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments and the income derived from them can fluctuate significantly.

Specific Risks

Market Risk

The value of securities may decline due to general market conditions, economic factors, or investor sentiment that are not specifically related to a particular company or industry.

Equity Risk

Stock prices can be volatile and may decline due to company-specific factors, industry conditions, or broader market movements.

Concentration Risk

Concentrated portfolios may be subject to greater volatility than more diversified portfolios due to reduced diversification.

Liquidity Risk

Some securities may be difficult to sell at desired times or prices, particularly during periods of market stress.

Interest Rate Risk

Changes in interest rates can affect the value of both equity and fixed-income securities.

Currency Risk

For investments in foreign securities, fluctuations in exchange rates may affect returns when converted to U.S. dollars.

Inflation Risk

Rising inflation may erode the purchasing power of investment returns over time.

Performance Disclosures

Performance Presentation Standards

Performance results presented on this website are calculated in accordance with industry standards and include the following considerations:

• Returns are presented net of advisory fees unless otherwise noted
• Performance includes the reinvestment of dividends and other income
• Results reflect actual advisory fees and expenses
• Composite performance includes all eligible client accounts

Benchmark Disclosures

Benchmark comparisons are provided for informational purposes only. Benchmarks are unmanaged and do not reflect the deduction of fees or expenses. It is not possible to invest directly in a benchmark index.

Performance Disclaimers

Fees and Expenses

Advisory Fees

Our standard advisory fee schedule is as follows:

Fee Payment

• Fees are typically billed quarterly in advance
• Fees are based on account values as of the last business day of the previous quarter
• Fees may be negotiated based on account size, complexity, and other factors
• Minimum account size is $1 million

Other Expenses

In addition to advisory fees, clients are responsible for:

• Custodial fees and expenses
• Transaction costs and brokerage commissions
• Mutual fund and ETF expense ratios
• Regulatory and compliance fees

Conflicts of Interest

General Policy

We have a fiduciary duty to act in our clients' best interests and have policies and procedures designed to identify and address potential conflicts of interest.

Potential Conflicts

Personal Trading

Our employees may invest in securities that are also recommended to or purchased for client accounts. We have policies requiring pre-clearance of personal trades and prohibiting trading ahead of client transactions.

Soft Dollar Arrangements

We may receive research and other services from broker-dealers in connection with client transactions. These arrangements are evaluated to ensure they provide benefits to our clients.

Outside Business Activities

Some of our personnel may be involved in outside business activities. All such activities are disclosed and monitored to ensure they do not interfere with our fiduciary duties.

Gifts and Entertainment

We have policies limiting the acceptance of gifts and entertainment from service providers and other business contacts.

Terms and Conditions

Client Eligibility

Our services are generally available to:

• Accredited investors as defined by SEC regulations
• Qualified clients under the Investment Advisers Act
• Institutional investors
• High-net-worth individuals and families

Account Minimums

We require a minimum account size of $1 million for our standard investment management services. Minimums may be waived at our discretion.

Termination

Either party may terminate the advisory relationship with written notice. Upon termination:

• Advisory fees will be prorated to the date of termination
• We will assist with the orderly transition of account assets
• All confidential information will continue to be protected

Limitation of Liability

Our liability to clients is limited as set forth in our advisory agreements. We maintain professional liability insurance coverage.

Additional Information

Privacy Protection

We are committed to protecting client privacy and confidentiality. Please refer to our Privacy Policy for detailed information about our data protection practices.

Business Continuity

We maintain comprehensive business continuity and disaster recovery plans to ensure continued service to our clients in the event of significant business disruptions.

Professional Certifications

Many of our investment professionals hold industry certifications including:

• Chartered Financial Analyst (CFA)
• Certified Financial Planner (CFP)
• Chartered Investment Management Analyst (CIMA)
• Financial Risk Manager (FRM)

Industry Memberships

We are members of professional organizations including:

• Investment Adviser Association (IAA)
• CFA Institute
• Financial Planning Association (FPA)
• National Association of Personal Financial Advisors (NAPFA)

Contact Information

For questions about these disclosures or to request additional information, please contact: