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THE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
LONG-TERM INVESTING
Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money. There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified. THE BEGINNER'S GUIDE TO TRAVEL HACKING The Beginner’s Guide to Travel Hacking. We tapped an expert to learn the ins and outs of this addictive hobby—and how to avoid getting burned. It’s normal to feel jealous while scrolling through Instagram. The photos of your friends’ jaunts to Morocco or WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loansHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT The idea behind reaching FIRE is simple: Find out your numbers – Tally up your annual expenses and multiply that by 25 to find your “FIRE number.”. For example, if you have $40k worth of annual expenses, many FIRE experts will suggest you need $1 million to “retire.”. Optimize your spending – Find ways to cut expenses sothat you
EMOTIONS AND DECISION MAKING: FACTORS AFFECTING INVESTMENT The headlines: Making decisions based on heat-of-the-moment emotions isn’t a good way to manage your investments, but even the most seasoned investors struggle to avoid emotional decisions; There are strategies you can use to make sure your emotions don’t get in the way of your investment performance, including understanding the data and focusing on what you can control WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filingTHE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
LONG-TERM INVESTING
Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money. There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified. THE BEGINNER'S GUIDE TO TRAVEL HACKING The Beginner’s Guide to Travel Hacking. We tapped an expert to learn the ins and outs of this addictive hobby—and how to avoid getting burned. It’s normal to feel jealous while scrolling through Instagram. The photos of your friends’ jaunts to Morocco or WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loansHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT The idea behind reaching FIRE is simple: Find out your numbers – Tally up your annual expenses and multiply that by 25 to find your “FIRE number.”. For example, if you have $40k worth of annual expenses, many FIRE experts will suggest you need $1 million to “retire.”. Optimize your spending – Find ways to cut expenses sothat you
EMOTIONS AND DECISION MAKING: FACTORS AFFECTING INVESTMENT The headlines: Making decisions based on heat-of-the-moment emotions isn’t a good way to manage your investments, but even the most seasoned investors struggle to avoid emotional decisions; There are strategies you can use to make sure your emotions don’t get in the way of your investment performance, including understanding the data and focusing on what you can control WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filing TWINE: EASY SAVING & INVESTING APP Save and invest for what matters. Get started in minutes and save up automatically. Available on iOS. Backed by John Hancock and 150 yearsof expertise.
ABOUT US - TWINE
Being Twine’s youngest team member, Rachel likes to drink her milk and juice in wine glasses to blend in. At work, Rachel can barely see her desk because it’s covered with sticky note reminders. Despite her forgetfulness, she can remember the lyrics to every Backstreet Boys song. She loves music and you can usually find her jamming to oneTHE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
TWINE | GROW YOUR FUTURE TOGETHER. Twine makes it easier to save and invest for your goals: set up automatic deposits. invite a partner to save with you. advice driven by smart technology. Email Address. prevent height change. New Password. prevent height change. Password should not be empty. THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loans WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
HOW TO BE A GOOD INVESTOR Defining who is a good investor is not as complicated as some may think; Good investors have a plan and the knowledge to execute it; Many people think that what makes a good investor is a secret knowledge of the stock market, or extraordinary intelligence when it comes to picking stocks. ARE BONDS A GOOD INVESTMENT Income – If you are looking for a steady stream of income, bonds may be a good fit. Most bonds pay interest—or a coupon—twice a year. Depending on where you live and what type of bonds you buy, you may pay less taxes on your earnings, too. Protect principal – If you need to protect your buy-in, or “principal,” some less risky bonds HOW MUCH DOES TWINE COST? For goals in invested accounts, the annual fee is 0.60% of an invested account’s average daily balance that is charged monthly, in arrears. That adds up to 25¢ per month on an average daily account balance of $500 or 35¢ per month on a balance of $700, for instance. The Program Fee is also prorated for the first month. TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
THE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Twine makes it easier to save and invest for your goals: set up automatic deposits; invite a partner to save with you; advice drivenby smart technology
THE 50 30 20 BUDGET RULE: HOW IT WORKS How to create your 50/30/20 budget. Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savingseach month.
LONG-TERM INVESTING
The headlines: Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money; There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified THE BEGINNER'S GUIDE TO TRAVEL HACKING What is travel hacking? Travel hacking is when you gather points and miles to save money on future trips. If you are a road warrior at work, you may already beHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. WHAT TO DO WITH A BONUS It always feels good to get some recognition after a big project or a successful quarter at work. It’s even better when the praise comes in the form of a cash bonus. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT What Exactly is FIRE? For those who don’t know, FIRE is an acronym for Financial Independence, Retire Early. When most people think of retirement, they believe it’s probably for people in their late 50s or 60s.. That’s typically when you can start taking your Social Security benefits and withdraw money from your retirement account (like your IRA) without penalties. WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filing TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
THE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Twine makes it easier to save and invest for your goals: set up automatic deposits; invite a partner to save with you; advice drivenby smart technology
THE 50 30 20 BUDGET RULE: HOW IT WORKS How to create your 50/30/20 budget. Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savingseach month.
LONG-TERM INVESTING
The headlines: Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money; There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified THE BEGINNER'S GUIDE TO TRAVEL HACKING What is travel hacking? Travel hacking is when you gather points and miles to save money on future trips. If you are a road warrior at work, you may already beHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. WHAT TO DO WITH A BONUS It always feels good to get some recognition after a big project or a successful quarter at work. It’s even better when the praise comes in the form of a cash bonus. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT What Exactly is FIRE? For those who don’t know, FIRE is an acronym for Financial Independence, Retire Early. When most people think of retirement, they believe it’s probably for people in their late 50s or 60s.. That’s typically when you can start taking your Social Security benefits and withdraw money from your retirement account (like your IRA) without penalties. WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filing TWINE: EASY SAVING & INVESTING APP Save and invest for what matters. Get started in minutes and save up automatically. Available on iOS. Backed by John Hancock and 150 yearsof expertise.
ABOUT US - TWINE
Twine empowers people to save more, save better, and save together. Learn more about our culture and teams in San Francisco and Boston. TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
THE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
THE 50 30 20 BUDGET RULE: HOW IT WORKS How to create your 50/30/20 budget. Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savingseach month.
TWINE | GROW YOUR FUTURE TOGETHER. Twine makes it easier to save and invest for your goals: set up automatic deposits; invite a partner to save with you; advice drivenby smart technology
WHAT TO DO WITH A BONUS It always feels good to get some recognition after a big project or a successful quarter at work. It’s even better when the praise comes in the form of a cash bonus. HOW TO BE A GOOD INVESTOR Defining who is a good investor is not as complicated as some may think; Good investors have a plan and the knowledge to execute it; Many people think that what makes a good investor is a secret knowledge of the stock market, or extraordinary intelligence when it comes to picking stocks. ARE BONDS A GOOD INVESTMENT What are bonds? Before learning about the benefits of investing in bonds, let’s talk about what they actually are. Bonds are like IOUs. When you buy one, you are lending money to the government, a local municipality, or a corporation. HOW MUCH DOES TWINE COST? When creating goals in Twine, you can choose to invest your money or save in cash. Twine doesn’t charge you for any goals saved in cash. That said, you are responsible for payment of any other fees that Apex may charge relating to your cash account including fees for wire transfers, paper delivery of client statements and insufficient funds in your linked bank account.THE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
LONG-TERM INVESTING
Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money. There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified. THE BEGINNER'S GUIDE TO TRAVEL HACKING The Beginner’s Guide to Travel Hacking. We tapped an expert to learn the ins and outs of this addictive hobby—and how to avoid getting burned. It’s normal to feel jealous while scrolling through Instagram. The photos of your friends’ jaunts to Morocco or WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loansHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT The idea behind reaching FIRE is simple: Find out your numbers – Tally up your annual expenses and multiply that by 25 to find your “FIRE number.”. For example, if you have $40k worth of annual expenses, many FIRE experts will suggest you need $1 million to “retire.”. Optimize your spending – Find ways to cut expenses sothat you
EMOTIONS AND DECISION MAKING: FACTORS AFFECTING INVESTMENT The headlines: Making decisions based on heat-of-the-moment emotions isn’t a good way to manage your investments, but even the most seasoned investors struggle to avoid emotional decisions; There are strategies you can use to make sure your emotions don’t get in the way of your investment performance, including understanding the data and focusing on what you can control WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filingTHE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
LONG-TERM INVESTING
Long term investing is one of the most powerful ways to grow your money, and understanding the simple reasons why can help you make powerful decisions for your money. There are three ways you can harness the power of the long-term for your portfolio: invest early, reinvest your earnings, and stay diversified. THE BEGINNER'S GUIDE TO TRAVEL HACKING The Beginner’s Guide to Travel Hacking. We tapped an expert to learn the ins and outs of this addictive hobby—and how to avoid getting burned. It’s normal to feel jealous while scrolling through Instagram. The photos of your friends’ jaunts to Morocco or WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loansHOME
Acceptable file formats are .png, .jpeg, .jpg, .pdf, .tif, .tiff with a max size of 4 MB per file. THE BEGINNER'S GUIDE TO THE FIRE MOVEMENT The idea behind reaching FIRE is simple: Find out your numbers – Tally up your annual expenses and multiply that by 25 to find your “FIRE number.”. For example, if you have $40k worth of annual expenses, many FIRE experts will suggest you need $1 million to “retire.”. Optimize your spending – Find ways to cut expenses sothat you
EMOTIONS AND DECISION MAKING: FACTORS AFFECTING INVESTMENT The headlines: Making decisions based on heat-of-the-moment emotions isn’t a good way to manage your investments, but even the most seasoned investors struggle to avoid emotional decisions; There are strategies you can use to make sure your emotions don’t get in the way of your investment performance, including understanding the data and focusing on what you can control WHICH OWNER IS RESPONSIBLE FOR TAX REPORTING? Joint goals created before about November 2018 contain a joint brokerage account. In a joint account, the Social Security Number of the account owner (the user who opened the account and invited their partner) is used to issue a 1099 form.The couple is responsible to determine how much of the income documented in the 1099 form each of them will claim in their tax filing if the couple is filing TWINE: EASY SAVING & INVESTING APP Save and invest for what matters. Get started in minutes and save up automatically. Available on iOS. Backed by John Hancock and 150 yearsof expertise.
ABOUT US - TWINE
Being Twine’s youngest team member, Rachel likes to drink her milk and juice in wine glasses to blend in. At work, Rachel can barely see her desk because it’s covered with sticky note reminders. Despite her forgetfulness, she can remember the lyrics to every Backstreet Boys song. She loves music and you can usually find her jamming to oneTHE TWINE BLOG
Learn how to save and invest with Twine. Featuring helpful education to help you manage your money. Hear stories from other people on thejourney to happier
TWINE | GROW YOUR FUTURE TOGETHER. Having trouble or create an account.. Access to Twine’s secure content is limited to authorized users only. Learn more about theterms here.
TWINE | GROW YOUR FUTURE TOGETHER. Twine makes it easier to save and invest for your goals: set up automatic deposits. invite a partner to save with you. advice driven by smart technology. Email Address. prevent height change. New Password. prevent height change. Password should not be empty. THE 50 30 20 BUDGET RULE: HOW IT WORKS Let’s say your take-home income each month is $3,000 after taxes. Using the 50/30/20 budget, you have $1,500 for your needs, $900 for your wants, and $600 for your savings each month. This percentage-based system is designed to guide your spending. Understanding that you have $1,500 for your rent, groceries, health insurance, student loans WHAT TO DO WITH A BONUS Option #2 – Use your bonus to pay off debt. Another less thrilling choice for how to spend your bonus is paying off debt. If you are wrestling with more than one type of debt, see how much you are actually paying in interest. Not all debt is equal. High-interest debt like credit cards may cost you more over time—making them harder topay off.
HOW TO BE A GOOD INVESTOR Defining who is a good investor is not as complicated as some may think; Good investors have a plan and the knowledge to execute it; Many people think that what makes a good investor is a secret knowledge of the stock market, or extraordinary intelligence when it comes to picking stocks. ARE BONDS A GOOD INVESTMENT Income – If you are looking for a steady stream of income, bonds may be a good fit. Most bonds pay interest—or a coupon—twice a year. Depending on where you live and what type of bonds you buy, you may pay less taxes on your earnings, too. Protect principal – If you need to protect your buy-in, or “principal,” some less risky bonds HOW MUCH DOES TWINE COST? For goals in invested accounts, the annual fee is 0.60% of an invested account’s average daily balance that is charged monthly, in arrears. That adds up to 25¢ per month on an average daily account balance of $500 or 35¢ per month on a balance of $700, for instance. The Program Fee is also prorated for the first month.Get Twine for iOS
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GROW YOUR FUTURE, TOGETHER. An app for saving and investing. Built for two.Get Started
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GET AFTER YOUR GOALS. Start with something standard like a house or vacation fund, or createa custom goal.
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SAVE AS A TEAM.
Get on the same page with a shared Twine goal. You can both contribute and track your progress.*
INVESTING FOR EVERYONE. Invest in a portfolio or save in cash. Start with what you can. Learnas you go.
> “It simplifies saving for major milestones like weddings, down > payments and vacations.”—FOX Business
SAVE FOR STUFF THAT MATTERS. If you’re excited about it, we’re here for it. Save and earn toward as many goals as you can dream up. Learn more about Twine goals > “Within the platform, you and your partner can set up a joint > profile where you link your goal accounts and set up automatic> transfers.”
—Brit + Co
TWO PEOPLE. ONE GOAL. Save up for shared goals. You can contribute separately but track yourprogress together.
Get started with Twine > “The app allows you to keep it in cash for shorter-term goals. But > if your goal is a little further off, you can invest the money.”—CNN Money
PUT YOUR MONEY TO WORK. Save in cash and earn interest. Or invest in a portfolio with greater growth potential. Twine helps you figure out what’s right for yourgoal.
Learn about investing with TwineSIMPLE PRICING.
SAVE IN CASH FOR FREE Deposit and withdraw any time. No hidden fees. INVEST FOR 25¢ PER MONTH Just 25¢ per month for every $500 you invest. That’s less than most advisors and on par with other digital investing products. Twine is proudly BACKED by 150 years of financial experience and a fiduciary duty to always act in your best interest.*
Cash accounts FDIC insured up to $250,000.*
Invested accounts protected by the SIPC up to $500,000. Copyright 2019 John Hancock Life Insurance Co. (U.S.A.)* Support
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* The figures and scenarios shown above are for illustrative purposes only, and do not reflect actual customer or model returns. Actual returns will vary greatly and depend on personal and marketcircumstances.
This website is operated and maintained by John Hancock Personal Financial Services, LLC (“JHPFS”), an SEC registered investment adviser. Twine is a service provided by JHPFS. Clearing, custody and other brokerage services are provided to clients of JHPFS by Apex Clearing Corporation (“Apex”), member FINRA/SIPC. JHPFS and Apex are not affiliated firms. Investments: not FDIC insured – No Bank Guarantee – May Lose Value. Investing involves risk, including loss of principal, and past performance does not guarantee future results. Diversified portfolios and asset allocation do not guarantee profit or protect against loss. Nothing on this site should be construed to be an offer, solicitation of an offer, or recommendation to buy or sellany security.
Before investing, consider your investment objectives and JHPFS’s fees. The JHPFS fee does not include the expenses of the underlying investments in your account. JHPFS may use data from third parties and clients believed to be reliable, but cannot ensure the accuracy or completeness of that data. JHPFS and Apex Clearing Corp do not provide legal or tax advice and investors should consult with their personal legal and tax advisors prior to funding an account or making any investment. Any investment outcomes or goal achievement dates are hypothetical in nature, provided for educational purposes only, do not reflect actual investment returns, are not individualized, are not intended to serve as the primary or sole basis for investment decisions, and are not guarantees of future results. Please see full disclosure for more information. By using this website, you accept our terms of use and privacy policy . A person only becomes a client of JHPFS when he or she has signed the advisory agreement and acknowledged receiving all disclosures from JHPFS. Information provided by Twine support is educational in nature and does not constitute investment, legal or tax advice.Twine™
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