Disclaimers

This website and its content are for informational and educational purposes only. It is not intended to meet the objectives or suitability requirements of any specific individual or account, to provide tax, legal or accounting advice, and to be considered a solicitation for the purchase or sale of any security. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Drozdow Financial is a name under Certior Financial Group, LLC an SEC registered investment advisor. Gregory Drozdow is an investment advisor representative of Certior Financial Group LLC. For more information on Gregory Drozdow please go to brokercheck.finra.org. For more information on Certior Financial Group LLC please go to https://adviserinfo.sec.gov/firm/summary/285502.

This website was prepared by Certior Financial Group, LLC (“Adviser”) for illustrative and informational purposes only.  Any information or opinion expressed in this website does not constitute a recommendation, offer, or solicitation of an offer to buy or sell any security or financial instrument or to participate in any investment strategy. Any reference to past performance is not indicative of future results. 

This website was prepared and intended for sophisticated investors who are capable of understanding the risks associated with the investments and strategies described herein. The views and opinions expressed throughout this website are those of the portfolio management team at the time of writing, are subject to change based on market, economic and other conditions, and should not be construed as recommendations or investment advice. 

Certain financial instruments and transactions give rise to substantial risk and are not suitable for all investors. Depending on your specific investment objectives and financial position, the investments and strategies discussed throughout this website may or may not be suitable for you. It is up to you to weigh any decision carefully. This material does not provide individually tailored investment advice. You should independently evaluate any investments and strategies discussed on this website, and consult your business advisor, attorney, and tax and accounting advisors with respect to the price, suitability, value, risk, and/or general appropriateness of an investment or strategy.  The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. 

Certain information and figures contained herein have been obtained from third party sources that are considered to be reliable, but Certior Financial Group, LLC  makes no representations or guarantees as to the accuracy or completeness of this information or data. 

Certain material risks generally associated with the Adviser’s strategies and managed accounts are described below. Investors should be aware that this is not an exhaustive list of risks related to investing with the Adviser, and some of these risks may only apply to certain strategies. Please refer to the agreement governing the investment management relationship between you and the Adviser, for more information regarding the risks related to your particular account. 

Certior Financial Group, LLC  is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”).  Registration of an investment adviser with the SEC does not imply any level of skill or training. Please visit the SEC’s website at https://adviserinfo.sec.gov/firm/summary/285502 to see ADVISER’s Form ADV and Form CRS, which contain important disclosures, including further disclosures about material conflicts of interest, risks, and limitations associated with Adviser. 

INVESTMENT RISKS

RISK OF LOSS 

Investing in securities involves risk of loss, including possible loss of principal.  that investors should be prepared to bear. There is no guarantee that any investment strategy will meet its objective. 

MARKET RISK 

Investing in securities involves risk that the overall market will perform poorly or that the returns from the securities in which a client invests will underperform returns from the general securities markets or other types of investments.  The value of investments will go up and down, sometimes rapidly and drastically, particularly in response to global events, such as health crises, war, economic cycles, political disruption, and pandemics. 

ASSET ALLOCATION RISK 

An account’s investment performance depends, at least in part, on how its assets are allocated and reallocated among asset classes. Such allocation could focus on asset classes or investments that perform poorly or underperform other asset classes or available investments. 

CONCENTRATION RISK:  

Concentrating investments potentially increases the risk of loss because the securities of many or all of the companies may decline in value due to developments adversely affecting the industries in which they operate.  

FOCUSED INVESTMENT RISK  

An account that invests a substantial portion of its assets in a particular market, industry, group of industries, country, region, group of countries, asset class or sector generally is subject to greater risk than an account that invests in a more diverse investment portfolio. In addition, the value of such an account is more susceptible to any single economic, market, political or regulatory occurrence affecting, for example, that particular market, industry, region or sector. This is because, for example, issuers in a particular market, industry, region or sector often react similarly to specific economic, market, regulatory, or political developments. 

MANAGEMENT RISK  

Each actively managed account is subject to management risk. Certior Financial Group, LLC’s financial advisers will apply investment techniques and risk analyses in making investment decisions for actively managed accounts, but there can be no guarantee that these decisions will produce the desired results. 

Form CRS, ADV 2A 2B, and Privacy Notice Disclosures

Effective as of January 11, 2023