401kreportcard.com respects the privacy of all clients and prospective clients; both past and present (collectively termed “customers” per federal guidelines). It is recognized that you have entrusted our firm with nonpublic personal information and it is important that both access persons and customers are aware of firm policy concerning what may be done with that information. The firm collects personal information about customers from the following sources:
 Information clients provide to complete their investment recommendation
 Information clients provide in engagement agreements, account applications, and other documents completed in connection with the opening and maintenance of their accounts
 Information customers provide verbally

The firm does not disclose nonpublic personal information about our customers to anyone, except in the following circumstances:
 When required to provide services our clients have requested
 When our customers have specifically authorized us to do so
 When required during the course of a firm assessment (i.e., independent audit)
 When permitted or required by law (i.e., periodic regulatory examination)


Within the firm, access to customer information is restricted to personnel that needs to know that information. All access persons and service providers understand that everything handled are confidential and they are instructed to not discuss customer information with someone else that may request information about an account unless they are specifically authorized by the customer to do so. To ensure security and confidentiality, the firm maintains physical, electronic, and procedural safeguards to protect the privacy of customer information.  The firm will provide you with its privacy policy on an annual basis and at any time, in advance, if firm privacy policies are expected to change.

 Further Information

If you have any questions about our privacy policy, please Contact Us

“It's only when the tide goes out that you discover who's been swimming naked.”

 -Warren Buffett “The Oracle of Omaha”-

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.”

 -Warren Buffett “The Oracle of Omaha”-

 “Be fearful when others are greedy and be greedy only when others are fearful”

 -Warren Buffett “The Oracle of Omaha”-

“I am more concerned about the return of my money than the return on my money.”

 -Warren Buffett “The Oracle of Omaha”-

"The essence of investment management is the management of risk, not the management of returns."

-Benjamin Graham-

"The Dean of Wall Street"

“Be fearful when others are greedy and greedy only when others are fearful.”

 -Warren Buffett “The Oracle of Omaha”-

“Loss avoidance must be the cornerstone of your investment philosophy.

 -Seth Klarman-

“The most important rule is to play great defense, not great offense. Every day I assume every position I have is wrong. I know where my stop risk points are going to be. I do that so I can define my maximum drawdown. Hopefully, I spend the rest of the day enjoying positions that are going in my direction. If they are going against me, then I have a game plan for getting out.”

- Paul Tudor Jones -

“The greatest mistake of the individual investor is to think that a market that did well is a good market rather than a more expensive market.”
-  Ray Dalio -

“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that is likely to get you where you want to go.  In the end, what matters isn’t crossing the finish line before anybody else but just making sure that you do cross it.”


― Benjamin Graham, The Intelligent Investor

“The longer the bull market lasts the more severely investors will be affected with amnesia; after five years or so, many people no longer believe that bear markets are possible.”


― Benjamin Graham, The Intelligent Investor

Investment Advice Offered Through Sandos Financial, Inc. Investment Advisor.  Sandos Financial, Inc. may only conduct business in states where it is properly registered.  401kreportcard.com is a Service of Sandos Financial, Inc.  Addition information about Sandos Financial is available on the SEC’s website at www.adviserinfo.sec.gov  The data and asset allocation strategy presented in the 401k Report Card is from investment models that Sandos Financial, Inc. uses as a pattern to guide investment allocation in client accounts.  Activity & performance may be substantially different from that of the models due to the amount of each investment, specific timing of trades, the actual security used and contributions or withdrawals which may vary from account to account.  The information contained herein has been obtained from sources that are believed to be reliable.  However, Sandos Financial, Inc. or 401kreportcard.com does not independently verify the accuracy of this information.  Past performance is no guarantee of future results.

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