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The information contained on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution would subject Sanstrum and Associates, Inc., Nations Financial Group, Inc., or any affiliates, to any registration requirement within such jurisdiction or country. The information obtained on this site is intended for informational purposes o­nly and does not constitute a solicitation or offer to initiate a transaction in any securities product or investment advisory service. Further, nothing o­n this site should be construed as rendering legal or tax advice.

At certain places on this Sanstrum & Associates, Inc. Internet site, live 'links' to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Sanstrum & Associates, Inc. and Nations Financial Group, Inc. Sanstrum & Associates, Inc. and Nations Financial Group, Inc does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Sanstrum & Associates, Inc. or Nations Financial Group, Inc.

The goal of a personal financial plan is to provide you with strategies that can help you meet your financial planning needs. These strategies may be presented to you through a financial advisor.  Any suggestions by your financial advisor are based on the information you provide, which represents your situation at one point in time.  As your situation changes, your financial advisor’s suggestions may change.  Before implementing any suggestions, you should consider any changes to your personal situation since you received any advice.  Additional analysis may be needed if the changes are significant.  Your financial advisor’s job is to put you in a position to make decisions that you feel are right for you.  Sanstrum & Associates, Inc and Nations Financial Group, Inc. cannot promise or guarantee that your objectives will be realized through implementation of any analysis, recommendations, or financial plan.

Advice can only be rendered after a person has had personal contacts, completed the Sanstrum & Associates, Inc planning processes, and upon the execution of all appropriate account forms. Sanstrum & Associates will not affect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet.

By accessing this website and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by the following terms and conditions:

No Warranty

While Sanstrum and Associates strives to provide uninterrupted access to its websites, it is possible for arbitrary circumstances to prevent certain applications from being accessible. All users agree to hold Sanstrum and Associates, Nations Financial Group, Inc., and any affiliates thereto, harmless against any claim of liability surrounding accessibility of this website, any application contained herein, or any application accessible through a link provided herein.

Secured Site Access

Certain portions of this site are restricted and require authorization to access. Unauthorized use of or access to these restricted areas is expressly prohibited and may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity o­n this system.

Online Information and Tools

Certain portions of Sanstrum & Associates, Inc web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to Sanstrum & Associates, Inc (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 Sanstrum & Associates, Inc. or from any other investment professional. Sanstrum & Associates, Inc is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Sanstrum & Associates, Inc.’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 Sanstrum & Associates, Inc or from any other investment professional.

Additional Items

All articles, links or additional items are provided for informational purposes only and were not created by Sanstrum & Associates, Inc or Nations Financial Group, Inc. Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation.

Neither Sanstrum & Associates, Inc., Nations Financial Group, Inc nor their representatives or agents are permitted to give legal or tax advice. Any discussion of taxes is for general informational purposes only. Such discussion does not purport to be complete or to cover every situation. You should seek advice based on your particular circumstances from an independent tax advisor.

Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details.

Downloaded Material From Website

Although this website may provide general information about the potential impact of taxes on various investment scenarios and estate planning, it should be made clear that Nations Financial Group, Inc and Sanstrum & Associates does not render either legal or tax advice.  Please consult a legal or tax professional for any specific advice. 

Business Continuity Plan for Sanstrum & Associates, Inc. available here. Business Continuity Plan for Nations Financial Group, Inc. available at http://www.nationsfg.com/.

Securities and Advisory Services offered through Nations Financial Group, Inc. (NFGI), member FINRA/SIPC, a Registered Investment Advisor. Aaron Sanstrum is a Registered Representative of NFGI. Sanstrum & Associates, Inc. is a separate entity from NFGI. Availability of investment services subject to applicable licensing requirements.