Effective Date: 2024

At SUN HARBOR ADVISORS LLC (“Company”, “we”, “our”, “us”), transparency and trust are foundational to our relationship with clients and website visitors. This Disclosures page outlines important information about our services, relationships, and legal obligations. Please read these disclosures carefully.

1. Investment Advisory Services

SUN HARBOR ADVISORS LLC is a registered investment advisory firm. Our services include providing personalized investment advice and managing investment portfolios on behalf of clients. The information provided on our website is for general informational purposes and does not constitute investment advice. Individual circumstances vary, and you should consult directly with one of our advisors for tailored advice.

2. No Guarantee of Results

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. No representation is made that any client will, or is likely to, achieve profits or losses similar to those shown. The value of investments can go down as well as up, and investors may not get back the amount originally invested.

3. Third-Party Relationships

We may enter into agreements with third-party providers for certain products or services related to our business. While we strive to partner with reputable firms, SUN HARBOR ADVISORS LLC is not responsible for the actions, products, or services of third parties. We do not endorse or recommend any third-party products or services unless explicitly stated.

4. Compensation and Fees

SUN HARBOR ADVISORS LLC may receive compensation in various forms for the services provided, which can include:

• Management Fees: Fees based on a percentage of assets under management.
• Performance Fees: Fees based on the performance of a client’s portfolio.
• Fixed Fees: A flat fee for specific advisory services.
• Transaction Fees: Fees associated with buying or selling securities on behalf of clients.

These fees will be clearly outlined in our client agreement and discussed with each client during the onboarding process. Clients are encouraged to ask questions about any fees they do not understand.

5. Conflict of Interest

We aim to act in the best interest of our clients and disclose any potential conflicts of interest that may arise. Our advisors may have a financial incentive to recommend certain investments or services. However, SUN HARBOR ADVISORS LLC adheres to a fiduciary duty to put our clients’ interests first. We will disclose any material conflicts of interest and take steps to manage or mitigate such conflicts.

6. Use of Financial Information

The financial information and market commentary provided on our website are for informational purposes only and are not intended as investment advice. While we strive to provide accurate and timely information, we do not guarantee the accuracy, completeness, or reliability of the information presented. Users should independently verify any information before making investment decisions.

7. Risk Warnings

All investments carry risks, including but not limited to market risk, interest rate risk, credit risk, and liquidity risk. There is no assurance that any investment strategy will achieve its objectives or that an investor will achieve profits. Before making any investment decisions, clients should fully understand the potential risks and rewards and consult with their financial advisor.

8. Use of Website

Your use of our website and reliance on its content are at your own risk. While we aim to provide useful and accurate information, SUN HARBOR ADVISORS LLC does not warrant the completeness or reliability of the website content. We encourage you to consult with a qualified financial advisor to discuss your individual situation.

9. Legal and Regulatory Compliance

SUN HARBOR ADVISORS LLC operates in compliance with all applicable laws and regulations governing our services. We maintain required registrations and licenses to provide investment advisory services. Our compliance policies and procedures are designed to ensure that we adhere to legal and regulatory requirements.

10. Contact Us

If you have any questions or concerns regarding these disclosures or require additional information, please use our contact form.