Legal and disclosures

Affiliate Disclosures

MMVFO LLC is an advisory coordination platform. It is not a certified public accounting firm, law firm, registered investment adviser, broker-dealer, or insurance agency. MMVFO coordinates strategy and connects clients with the appropriately licensed or registered professionals who deliver those regulated services.

Certain services may be provided by affiliated or unaffiliated licensed or registered professionals. MMVFO coordinates strategy, diagnostics, documentation, and advisory execution, but it does not provide legal advice, investment advisory services, financial planning, securities-related services, insurance recommendations, insurance product placement, insurance applications, or insurance implementation unless that scope is expressly stated in a written engagement and performed by a properly licensed or registered professional or affiliate.

State licensing and affiliate services

Certain non-regulated coordination and diagnostic services may not require a state license. Licensing, registration, privilege, securities rules, insurance rules, and other regulated-service requirements depend on the service, state, facts, professional role, and written engagement terms. Regulated services may be provided through local affiliates, unaffiliated specialists, or other properly licensed or registered professionals where required.

Insurance, investment advisory, and financial planning services

Insurance products, insurance recommendations, policy placement, applications, underwriting support, investment advisory services, financial planning, portfolio management, securities-related services, and similar regulated activities are provided only by appropriately licensed or registered affiliates, unaffiliated professionals, or a client’s existing advisors. MMVFO may coordinate the discussion but does not replace the licensed professional responsible for regulated recommendations or implementation.

Qualification and invitation-only engagements

Engagements are by invitation only, subject to qualification, mutual fit, written engagement terms, applicable professional rules, and service capacity.

Referral and compensation disclosure

Referral compensation may exist where permitted by law, professional rules, and written disclosure. Any such arrangements are disclosed before engagement where applicable.

Licensing disclosure

Legal advice is provided only by attorney affiliates or counsel engaged for that purpose. Investment advisory services and financial planning are provided only by properly registered investment advisers or other appropriately licensed professionals. Insurance recommendations, applications, product placement, and implementation are provided only by licensed insurance professionals.

No guarantee

No tax savings, credit, refund, controversy result, investment result, insurance outcome, or planning outcome is guaranteed.