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 Services

We support the work we do for our clients with a commitment to providing excellent client service, which begins with our ability to understand and respond to your priorities.

From financial risk planning and investment management to business / family consulting and asset protection, Corbenic Partners pursues the same holistic approach to customizing solutions for each of our clients.

We are called upon to help families and entrepreneurs to grow, sustain and protect their wealth. We strive to achieve this by integrating all the areas of your financial life, so that complex decisions can be fully understood and easily navigated. While we work with clients to build a path to achieving long-range goals, we recognize the need to prepare for unexpected challenges such as survivorship and estate issues.

Please Note: The scope of any financial planning and consulting services to be provided depends upon the request and needs of the client. Corbenic Partners, LLC does not serve as an attorney or accountant. Corbenic Partners, LLC does not prepare estate planning documents or tax returns.

Insurance Planning

When appropriate, insurance can be an invaluable tool for optimally managing one’s wealth. We work with clients to identify potential life insurance solutions to address any number of specific needs and goals, including: Family Protection, Estate planning, Liquidity, Strategic philanthropy, Legacy gifting, and Business succession.

Retirement Planning

The transition to retirement can be a signature moment whether you have accumulated savings over a lifetime or are selling a closely held business. We spend significant time with our clients ensuring that any number of retirement scenarios have been evaluated and that a level of comfort is reached for all involved. We also understand that retirement represents a new chapter in the life of a family and we work closely with our clients to help them achieve their desired lifestyle and pursue the things that are important to them.

Business Planning

With deep experience in working with franchisees, we develop Buy Sell Agreements within the context of your complete financial planning needs. We help business owners devise and execute effective succession plans, and in the case of a closely held family business, we propose beneficial solutions for transferring the entity to the next generation. Through strong relationships with longstanding industry partners, we also provide valuations as part of our overall business planning services.

Personalized Portfolio Management

We construct portfolios based on an intimate understanding of our clients’ needs and objectives, bearing in mind the risk tolerances, tax implications, and cost structure in an effort to achieve the desired results.

Estate Planning

We create strategies designed to effectively execute the transfer of wealth from one generation to the next, with a particular focus on balancing personal priorities with the current tax environment. We provide advice on charitable giving, private foundations, and trusts. We help educate the next generation on the responsibilities of wealth management.

Insurance
Planning

When appropriate, insurance can be an invaluable tool for optimally managing one’s wealth. We work with clients to identify potential life insurance solutions to address any number of specific needs and goals, including: Family Protection, Estate planning, Liquidity, Strategic philanthropy, Legacy gifting, and Business succession.

Retirement
Planning

The transition to retirement can be a signature moment whether you have accumulated savings over a lifetime or are selling a closely held business. We spend significant time with our clients ensuring that any number of retirement scenarios have been evaluated and that a level of comfort is reached for all involved. We also understand that retirement represents a new chapter in the life of a family and we work closely with our clients to help them achieve their desired lifestyle and pursue the things that are important to them.

Business
Planning

With deep experience in working with franchisees, we develop Buy Sell Agreements within the context of your complete financial planning needs. We help business owners devise and execute effective succession plans, and in the case of a closely held family business, we propose beneficial solutions for transferring the entity to the next generation. Through strong relationships with longstanding industry partners, we also provide valuations as part of our overall business planning services.

Personalized
Portfolio
Management

We construct portfolios based on an intimate understanding of our clients’ needs and objectives, bearing in mind the risk tolerances, tax implications, and cost structure in an effort to achieve the desired results.

Estate
Planning

We create strategies designed to effectively execute the transfer of wealth from one generation to the next, with a particular focus on balancing personal priorities with the current tax environment. We provide advice on charitable giving, private foundations, and trusts. We help educate the next generation on the responsibilities of wealth management.