Disclosures

All information offered on this website is for guidance and informational purposes only and should not be considered specific advice. This website and information are not  intended to provide investment, tax, or legal advice. Every situation is unique. You  should speak with your advisor prior to making any investment decisions. Advisory services are offered through SGL Financial, LLC (“SGL”). Insurance products and services are offered through individually licensed and appointed insurance agents in appropriate jurisdictions.  

SGL is a Registered Investment Adviser located in Buffalo Grove, IL. SGL may only  transact business in those states in which it is registered, or qualifies for an exemption  or exclusion from registration requirements. Cowen Tax Advisory Group’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 this web site on the Internet should not be construed by any consumer and/or prospective client as a 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  an investment adviser representative of SGL 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 SGL or to review a copy of SGL’s current written disclosure statement (Form ADV 2A) which discusses SGL’s business operations, services, and fees or a copy of SGL’s Client Relationship Statement (CRS)  please go to the SEC’s investment adviser public information website –  www.adviserinfo.sec.gov. Copies of these documents are also available from Cowen Tax Advisory Group upon written request. SGL 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 Cowen Tax  Advisory Group’s website 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.  

The information contained herein has been compiled from sources deemed reliable and it is accurate to the best of our knowledge and belief. However, SGL and Cowen Tax Advisory Group cannot guarantee its accuracy, completeness, and validity and cannot be held liable for any errors or omissions. Changes are periodically made to this website and may be made at any time.  

All information contained herein should be independently verified and confirmed. SGL Financial, LLC and CowenTax Advisory Group do not accept any liability for any loss or damage whatsoever caused in reliance upon such information.  

Readers are advised that the material contained herein should be used solely for informational purposes.  

Past performance may not be indicative of future results. Therefore, no current or  prospective client should assume that future performance of any specific investment or investment strategy including the investments and/or investment strategies  recommended or undertaken by Cowen Tax Advisory Group, made reference to directly or indirectly by Cowen Tax Advisory Group in its web site, or indirectly via a link to an unaffiliated third party web site will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the payment of which would have the effect of decreasing historical performance results.  

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 will be profitable. Certain portions of Cowen Tax Advisory Group (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, various positions and/or recommendations made by Cowen Tax Advisory Group and/or those of other investment and non-investment professionals as of a specific prior date. Due to various factors, including changing market conditions, such discussions and/or positions 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 or information presented serves as the receipt of, or a substitute for, personalized advice from SGL, Cowen Tax Advisory Group, or from any other  investment professional. SGL and Cowen Tax Advisory Group are not law firms or accounting firms, and no portion of the web site content should be interpreted as legal, accounting or tax advice.