Important Disclosures

Tax and Legal Advice Disclaimer

* 12 Stones Capital Partners does not provide tax or legal advice. References to "tax planning*," "tax strategy*," "tax optimization*," "estate planning*," and "estate attorney*" throughout this website are for informational purposes only and do not constitute tax or legal advice.

We coordinate with your tax and legal professionals to ensure your financial plan aligns with your overall objectives. However, all tax and legal matters must be reviewed and approved by your qualified tax advisor (CPA or tax attorney) and estate planning attorney.

You should consult with your tax and legal advisors before implementing any strategies discussed on this website or in consultation with 12 Stones Capital Partners.

Investment Advisory Services

Investment advisory services are offered through 12 Stones Capital Partners. Securities offered through MML Investors Services, LLC. Member SIPC.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not indicative of future results.

Insurance Products

Insurance products are offered through Massachusetts Mutual Life Insurance Company (MassMutual) and affiliated companies.

Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency and are not insured by the FDIC or any other governmental agency.

Fiduciary Responsibility

12 Stones Capital Partners is a fiduciary under the Investment Advisers Act of 1940 and is legally and ethically obligated to act in the best interest of our clients. Our compensation is fee-based and disclosed in advance. We do not receive commissions from the sale of investment or insurance products recommended to advisory clients.

Third-Party Service Providers

References to third-party service providers (including CPAs, attorneys, business consultants, and other professionals) are for informational purposes only. 12 Stones Capital Partners does not endorse or guarantee the services of any third-party provider.

We may receive referral fees from certain third-party providers. All such arrangements are disclosed in writing to clients in accordance with applicable regulations.

Hypothetical Examples

Examples and case studies presented on this website are hypothetical and for illustrative purposes only. They do not represent actual clients or results. Individual results will vary based on personal circumstances, market conditions, and other factors.

Forward-Looking Statements

Certain statements on this website may constitute forward-looking statements regarding future events or expectations. These statements are based on current assumptions and are subject to risks and uncertainties. Actual results may differ materially from those expressed or implied.

Privacy and Security

12 Stones Capital Partners is committed to protecting your personal information. We do not sell, share, or distribute client information to third parties except as required by law or with your explicit consent.

For more information about how we collect, use, and protect your personal information, please contact us directly.

Questions or Concerns

If you have questions about these disclosures or would like additional information about our services, fees, or regulatory obligations, please contact us:

12 Stones Capital Partners
Email: [email protected]