Disclosure Policy

01Educational Purpose Only

Compounding Memo provides investment-related commentary, portfolio allocation models, research, and educational materials. However, we are not a registered investment adviser, broker-dealer, or financial planner.

Nothing we publish is intended to be, or should be interpreted as:

• Personalized investment advice
• A recommendation to buy or sell any security
• An offer or solicitation to purchase or sell securities
• Tax, legal, or accounting advice

All content is provided for informational and educational purposes only.

02Ownership of Securities Discussed

Compounding Memo LLC, its owner(s), and its contributors may own securities (including stocks, ETFs, bonds, options, or other instruments) that are discussed, referenced, analyzed, or included in our model portfolios.

This means we may have a financial interest in securities we write about.

At any given time, we may be:

• Long a security (benefiting if the price rises)
• Short a security (benefiting if the price falls)
• Holding derivatives such as options
• Holding a security indirectly through an index fund or ETF

Subscribers should assume that we may hold positions in securities mentioned unless explicitly stated otherwise.

03Model Portfolios vs. Personal Portfolios

Compounding Memo may publish model portfolios and portfolio allocation weightings.

These portfolios are intended as models for educational purposes, not personalized investment recommendations. Actual accounts managed by Compounding Memo LLC’s owner(s) may differ in:

• Position size
• Entry price
• Timing
• Tax considerations
• Account type
• Risk tolerance
• Liquidity needs

04Trade Notification Policy

As part of our commitment to fairness and transparency, Compounding Memo follows a trade notification practice:

If we plan to buy or sell a security that is included in a published portfolio model or discussed in a newsletter, we will generally send a subscriber notification prior to executing that trade in personal accounts. We aim to provide notice at least 30 minutes in advance when reasonably practicable.

However, subscribers acknowledge and agree that:

• We are not obligated to provide advance notice in every situation
• Rapidly changing market conditions, breaking news, or extraordinary volatility may require trades to be executed without advance notice
• Execution timing may vary
• Some trades may be made in accounts that do not match the model portfolio
• We do not guarantee that subscribers will be able to execute trades at the same price

Trade notifications may be delivered by email or through another method we choose.

05No Duty to Update or Maintain Coverage

We may discuss a stock, ETF, or strategy at one point in time and later stop mentioning it. We are not obligated to provide ongoing updates or continued coverage of any security.

We may also change our views at any time without notice.

06Performance Figures and Reporting Limitations

We may reference historical performance, portfolio returns, total return calculations, and other financial metrics.

These figures may be derived using third-party tools and data sources, including but not limited to:

• Google Sheets
• Google Finance
• Brokerage or exchange data feeds
• Public company filings
• Third-party financial websites

Although we strive for accuracy, data sources may contain errors, delays, omissions, or incorrect pricing. Therefore, Compounding Memo does not guarantee that any performance results, pricing data, portfolio calculations, or total return figures are accurate or complete.

Past performance is not indicative of future results.

07No Front-Running Subscribers

We do not intend to “front-run” subscribers (meaning buying or selling a security ahead of a recommendation or update in order to benefit from subscriber activity).

However, subscribers acknowledge that:

• Compounding Memo may already hold a position in a security before it is discussed
• Compounding Memo may initiate or exit positions after publishing content
• Market prices may change rapidly after publications are released

08Affiliate Relationships and Compensation

Compounding Memo currently maintains, and may in the future enter into, affiliate, referral, advertising, or sponsorship relationships with third-party products and services. Under these arrangements, we may earn a commission or other compensation if you click a link and subscribe to or purchase a product or service we mention. Any such compensation comes at no additional cost to you.

Where we include an affiliate link, we will disclose that relationship clearly and near the link itself — for example, on our Toolkit page, where each affiliate link is individually labeled. We are not obligated to list every vendor, tool, or service provider we use, and the absence of a label simply means a given link is not an affiliate link.

Affiliate compensation does not influence our editorial content. The securities we analyze, the views we express, and the holdings in our model portfolios are determined independently of any affiliate, advertising, or sponsorship relationship. We recommend tools only because we use them and find them useful. Our editorial judgment is not for sale.

We do not accept payment, free securities, or any other compensation from any company, fund, or issuer in exchange for coverage, analysis, or inclusion in a model portfolio.

09Sponsored Content

If we ever publish sponsored content, paid promotions, or advertisements, we will make reasonable efforts to label such material clearly as “Sponsored” or “Advertisement.”

10Subscriber Responsibility

You are solely responsible for your investment decisions.

You should not make any investment decision based solely on information from Compounding Memo. You should conduct your own research and consider consulting a licensed financial professional.

11Changes to This Disclosure Policy

We may update this Disclosure Policy at any time. When we do, we will update the “Last Updated” date at the top of the page.

Your continued use of the Website or Services after changes are posted constitutes acceptance of the updated Disclosure Policy.

12Contact Information

If you have questions about this Disclosure Policy, you may contact us at:

Compounding Memo LLC
North Carolina, United States
Email: contact@compoundingmemo.com
Website: https://compoundingmemo.com