Disclosure
Important Information
Cedar Capital Advisors provides financial planning and investment advisory services designed to help clients make informed decisions about retirement, taxes, investments, estate planning, business decisions, and other areas of their financial lives.
The information presented on this website is provided for general informational and educational purposes only. It is not intended to constitute personalized investment, financial, tax, legal, or accounting advice.
Every individual’s financial circumstances are different. Before making any financial or investment decision, you should consider your personal circumstances and consult with appropriate qualified professionals when necessary.
Investment Risk
Investing involves risk, including the possible loss of principal. The value of investments can fluctuate based on market conditions and other factors.
Past performance is not indicative of future results. No investment strategy or financial planning approach can guarantee a particular result or level of income.
Any examples, illustrations, or discussions of potential strategies or outcomes on this website are for informational purposes only and should not be interpreted as a guarantee of future results.
Fee-Only Fiduciary
Cedar Capital Advisors operates as a fee-only fiduciary advisory firm. Our recommendations are intended to be made in the best interests of our clients and are designed to provide objective advice based on each client’s individual circumstances and goals.
Being a fiduciary does not eliminate investment risk, nor does it guarantee investment performance or financial outcomes.
Independent Registered Investment Adviser
Cedar Capital Advisors is an independent Registered Investment Adviser (RIA). Investment advisory services are provided pursuant to the firm’s applicable advisory agreements and regulatory requirements.
Registration as an investment adviser does not imply a certain level of skill or training.
CFP® Professional
Tom Koleski is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® certification identifies professionals who have met requirements established by the CFP Board.
The CFP® marks are the property of the Certified Financial Planner Board of Standards, Inc.
Financial Planning
Financial planning involves evaluating a client’s financial circumstances, goals, priorities, and available resources. Recommendations may address areas such as retirement planning, tax planning, Social Security, investment management, insurance, estate planning, and business planning.
Financial planning recommendations are personalized to each client’s circumstances and may change as financial conditions, laws, tax rules, or personal circumstances change.
Tax Planning and Tax Information
Any discussion of tax strategies or potential tax savings is for informational purposes only and should not be considered tax advice.
Tax laws and regulations are subject to change, and the application of tax rules depends on individual circumstances. Clients should consult with their qualified tax professional regarding their specific tax situation.
Retirement and Social Security Planning
Information regarding retirement planning, Social Security, Roth conversions, retirement income, or related strategies is provided for general educational purposes.
Eligibility requirements, benefits, tax treatment, and individual outcomes may vary. No specific retirement income or Social Security outcome is guaranteed.
Third-Party Custodian
Cedar Capital Advisors may utilize third-party custodians, including Charles Schwab, to provide custody and related services for client assets.
Cedar Capital Advisors does not control the policies, services, systems, or operations of third-party custodians. Information regarding third-party providers should be reviewed directly with the applicable provider.
Third-Party Websites and Links
This website may contain links to third-party websites, articles, media, or other resources.
These links are provided for convenience and informational purposes. Cedar Capital Advisors does not necessarily endorse or control the content, accuracy, privacy practices, or services of third-party websites.
Visitors should review the applicable terms and privacy policies of any third-party website they access.
Media and Public Appearances
References to media appearances, including features on WGN, are provided for informational purposes and do not constitute an endorsement, recommendation, or guarantee of Cedar Capital Advisors or its services.
Any opinions or statements made in media appearances represent the views expressed by the individual at the time of the appearance.
No Guarantee of Results
Cedar Capital Advisors does not guarantee any specific investment return, financial outcome, retirement outcome, tax savings, or other result.
Financial markets and individual circumstances are subject to change, and results will vary from client to client.
Client Testimonials and Statements
Any client experiences, statements, reviews, or other testimonials presented on this website, if applicable, represent the individual experience of the person providing the statement.
Individual experiences are not necessarily representative of the experience of all clients. No representation is made that any client will achieve similar results.
Contact Us
If you have questions regarding this Disclosure or the information presented on this website, please contact Cedar Capital Advisors.
Cedar Capital Advisors
536 Crescent Blvd, #2
Glen Ellyn, IL 60137
Email: [email protected]
Phone: 312-285-5737
Additional Regulatory Information
Additional information regarding Cedar Capital Advisors, its advisory services, fees, conflicts of interest, and regulatory disclosures may be available through the firm’s applicable regulatory filings and disclosure documents.
Visitors and prospective clients should review the firm’s current regulatory disclosures before engaging advisory services.
Updates to This Disclosure
Cedar Capital Advisors may update this Disclosure from time to time to reflect changes to its services, regulatory requirements, business practices, or other relevant information.
The most current version will be maintained on this website.