Disclosures and Important Disclaimers

This page provides important information about Cooper Norman Wealth, our services, fees, and the regulatory framework under which we operate. Please review the relevant sections in full before engaging our services.

Separate and Distinct Companies

Cooper Norman and Cooper Norman Wealth are separate and distinct companies providing separate and distinct services. While the two firms coordinate to deliver an integrated client experience, each maintains independent ownership, governance, regulatory oversight, and compliance infrastructure. Engaging Cooper Norman Wealth does not create an engagement with Cooper Norman, and vice versa.

Investment Advisory Services

Investment advisory services are offered through Cooper Norman Wealth, an investment adviser registered with [REGISTRATION DETAILS PENDING]. Registration does not imply a certain level of skill or training. Additional information about Cooper Norman Wealth is available in our Form ADV Part 2A and 2B, available upon request and at adviserinfo.sec.gov.

Fiduciary Standard

Cooper Norman Wealth advisors operate under a fiduciary standard, meaning we are legally obligated to act in your best interest at all times. This standard governs every recommendation, every fee disclosure, and every conflict of interest we disclose.

Fees and Compensation

Our advisory fees are fully disclosed in your advisory agreement and Form ADV. Cooper Norman Wealth does not receive commissions on investment products. We are compensated through transparent advisory fees, typically structured as a percentage of assets under management with explicit caps on coordinated tax-and-wealth engagements. Full fee details are provided in our Form ADV and at the time of engagement.

No Tax or Legal Advice

Cooper Norman Wealth does not provide tax preparation or legal services. Tax advice is provided exclusively through Cooper Norman or your existing tax advisor. Legal advice should be obtained from a qualified attorney. Content on this website is for informational purposes only and does not constitute financial, tax, or legal advice. Individual circumstances vary; please consult appropriate professionals before making decisions.

Forward-Looking Statements

Statements on this website regarding future performance, market conditions, or planned services are forward-looking and subject to change without notice. Past performance is not indicative of future results. All investments involve risk, including potential loss of principal.

Privacy

Information you submit through this website, including contact form submissions, scheduling requests, and newsletter signups, is handled in accordance with our privacy policy. We do not sell client data. Communications via web forms are not encrypted end-to-end; for sensitive information, please request our secure client portal.

Contact

Questions about these disclosures, our Form ADV, or our compliance program may be directed to compliance@coopernormanwealth.com or by writing to: Cooper Norman Wealth, 722 N College Road, Twin Falls, ID 83303.

Website Disclosure

Cooper Norman Wealth, LLC (“Company”) is a registered investment adviser located in Idaho Falls, Idaho.

The Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The Company’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 the Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s 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 the Company 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. A copy of the Company’s current written disclosure Brochure discussing the Company’s business operations, services, and fees is available on this web site and/or from Company upon written request. The Company 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 the Company’s web site 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.

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 (including those undertaken or recommended by the Company), will be profitable or equal any historical performance level(s). Neither the Company’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if the Company is engaged, or continues to be engaged, to provide investment advisory services. The Company’s registration status does not imply a specific level of skill or training.

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

Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services.

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

Each client and prospective client agrees as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless the Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the Company.