IMPORTANT DISCLOSURE INFORMATION

Important Disclaimers

Corbenic Partners, LLC (“Corbenic”) is an SEC registered investment adviser located in Bethlehem, Pennsylvania. Corbenic may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Corbenic’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 Corbenic’s web site on the Internet should not be construed by any consumer and/or prospective client as Corbenic’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 Corbenic 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 Corbenic, please contact the SEC or the state securities regulators for those states in which Corbenic maintains a notice filing. A copy of Corbenic’s current written disclosure statement discussing Corbenic’s business operations, services, and fees is available from Corbenic upon written request. Corbenic 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 Corbenic web site or incorporated herein, and takes no responsibility therefor. 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 Corbenic), will be profitable or equal any historical performance level(s).

Certain portions of Corbenic’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Corbenic (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 current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Corbenic, or from any other investment professional. Corbenic 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 Corbenic is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Corbenic 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 Corbenic’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 Corbenic, or from any other investment professional.

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

Our Clients

The Corbenic team has a particular expertise in working with franchisees and is deeply experienced in helping entrepreneurs and business owners manage liquidity events from any stage in their life cycle.

Corbenic Partners is proud to work with a select group of affluent families and individuals who prioritize the safeguarding of their wealth through thoughtful planning and prudent implementation. Often our clients are focused on inter-generational transitions and succession planning, and the various strategies involved, from trusts and estates to saving for college and retirement.

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Here are just three examples
of how Corbenic works with clients:

Individuals responsible for managing substantial liquid assets

Many of our clients are challenged by the responsibility of managing their wealth, which may have accumulated over a successful career, a lifetime of smart saving - or suddenly, with an inheritance, a sale of assets, or the passing of a spouse. We immediately dive into a needs assessment, which takes into account not only the sufficient resources to live comfortably but also our clients’ personal values and goals. We build capital preservation strategies to protect principal, as such a loss may represent the only real risk to one’s financial well-being. Bearing in mind a conservative allocation of assets to mitigate risk, we look to generate competitive returns through a prudent and well-thought-out investment plan.

We also create a well-defined executable estate strategy, including the right risk management tools, such as Irrevocable Life Insurance Trusts. The goal is to effectively optimize the client’s current assets, avoid unnecessary taxes, and keep the estate intact for future generations. We often serve as a gatekeeper, protecting a client’s best interests, especially when managing all of the assets becomes a complicated affair.

 
 

Business Owners facing a liquidity event

Whether entering into a generational transfer of the family business or the outright sale of a closely held business, the key insight for our clients is to envision what life will look like on the other side of the liquidity event.

We work extensively with owners to determine how to best achieve their goals. We undertake in-depth planning to address retirement income, taxation, and estate issues. We then build a portfolio designed in an effort to achieve the targeted return required by the overall plan we develop with the client.

We continue to monitor the client’s financial position to ensure that it stays on course and, if appropriate, we’ll begin to work with the next generation to help ensure their financial success.

 
 

Franchisees looking to protect, expand or exit their businesses

For nearly two decades, the Corbenic team has built an expertise in advising franchisees by working closely with numerous McDonald’s Owner Operators.

Having a deep domain knowledge of the world in which franchisees live and work, we understand their specific business challenges and stay current on issues impacting their world.

By building a close partnership with our Operator clients, we are in a position to evaluate the factors that drive profitability and assist in maximizing the value of their business in coordination with their outside assets.