IMPORTANT DISCLOSURE INFORMATION

Meridian Financial Partners, LLC (“Meridian”) is an SEC registered investment adviser located in Warrenton, Virginia.    We are only able to transact business in the states in which we are registered, or where we qualify for an exemption or exclusion from registration requirements.

Meridian’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Meridian’s web site on the Internet should not be construed by any consumer and/or prospective client as Meridian’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Meridian with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

For information pertaining to the registration status of Meridian, please contact the SEC or the state securities regulators for those states in which Meridian maintains a notice filing.  A copy of Meridian’s current written disclosure statement discussing Meridian’s business operations, services, and fees is available from Meridian upon written request.  Meridian 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 Meridian web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Meridian), will be profitable or equal any historical performance level(s).

Certain portions of Meridian’s web site (like our blog) may contain a discussion of, or provide access to, Meridian (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of our current positions and/or recommendations.  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Meridian, or from any other investment professional.

Meridian is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Meridian is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Meridian by any of its clients.  Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Meridian’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Meridian, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to their access to Meridian’s web site, to release and hold harmless Meridian, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of their actions and/or omissions which are independent of their receipt of personalized individual advice from Meridian.

PORTAL ACCESS ACKNOWLEDGMENT

As a client of Meridian Financial Partners, LLC (“Meridian”), by selecting the “I Agree” button, I elect to participate in the password-protected access portion of Meridian Internet web site.  I understand that my participation will allow me to review certain investment-related information published by Meridian and unaffiliated third parties.  This password-protected access is made available to clients of Meridian free of charge.  This authorization shall continue until canceled in writing.

I understand that the password-protected section is a secure web site intended only to allow a client access to information relative to their specific account.  I also understand that I will be assigned an individual password.  I agree not to share my password with any other person.  I hereby release and hold Meridian harmless from any adverse consequences relative to any failure by me to keep the identity of my password secure.

PROFESSIONAL DESIGNATIONS

CERTIFIED FINANCIAL PLANNER® professional Individuals who are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, may refer to themselves as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net.

CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:
 

• Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board‐approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.

• Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real‐life financial planning situations.

• Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.

• Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
 

• Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional’s services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.

• Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.

PROJECT MANAGEMENT PROFESSIONAL (PMP) Certification
 
The Project Management Professional (PMP) certification is a globally recognized credential administered by the Project Management Institute (PMI), the leading professional organization for project management practitioner. It validates a candidate’s knowledge, skills, and experience in managing projects, demonstrating their ability to effectively lead, direct, and oversee project teams and processes in any industry.
 
To become PMP certified, individuals must meet the following qualifications:
 
Education:

• Option 1: Four-year degree (or equivalent): This includes bachelor’s degrees or global equivalents.
• Option 2: High school diploma or associate’s degree (or equivalent): This requires a higher level of experience (60 months).

 
Experience:
• With a four-year degree: You need 36 months (3 years) of experience leading and directing projects.
• Without a four-year degree: You need 60 months (5 years) of experience leading and directing projects.
• All experience must be within the past eight years.

Individuals who become certified must complete the following ongoing education:
• Earn 60 Professional Development Units (PDUs) every three years. These PDUs can be earned through Education and Giving Back activities. At least 35 PDUs must be from Education, and a maximum of 25 can be from Giving Back.
 
You may find more information about the PMP® certification at http://www.pmi.org.

FINANCIAL PARAPLANNER QUALIFIED PROFESSIONAL (FPQP) Certification
 
The Financial Paraplanner Qualified Professional (FPQP) designation introduces financial planning to professionals with no prior experience and also helps deepen foundational knowledge for support staff with some industry experience. It is offered exclusively by the College for Financial Planning®—a Kaplan Company (CFFP).
 
Individuals who become certified must complete the following ongoing education:
• Complete 16 hours of continuing education (CE) credits every two years.
 
You may find more information about the FPQP® certification at https://www.kaplanfinancial.com.