Important Disclosures

Forum Financial Management, LP is a Registered Investment Advisor. The home office of Forum Financial Management, LP is located at 1900 S. Highland Ave., Suite 100, Lombard, IL 60148
ph: 630.873.8520 | fax: 630.873.8536 | email:

Forum Financial Management, LP is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

This website is a publication of Forum Financial Management, LP. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Content should not be construed as being an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. A professional adviser should be consulted before implementing any of the strategies presented.

All trademarks, trade names, logos and icons are exclusive to Forum Financial Management, LP. Unauthorized use of trademarks held by Forum, including logos and images appearing on this website, is expressly prohibited.

Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto. The content of this website should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Nothing in this website should be construed as investment advice. All information is believed to be from reliable sources; however, its accuracy and completeness and the opinions based thereon by the author are not guaranteed and no responsibility is assumed for errors and omissions. Any economic and performance data published herein is historical and not indicative of future results. All rights reserved. Please consult your personal advisor and investment prospectus before making an investment decision.

Before making an investment decision, please contact our office at 630.873,8520 to receive a copy of Forum’s Advisory Agreement and Form ADV Part 2A, which includes Forum’s fee schedule. This information is intended to serve as a basis for further discussion with your professional advisors. Although great effort has been taken to provide accurate numbers and explanations, this information should not be relied upon for making investment decisions.

Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. All investment strategies have the potential for profit or loss. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark.

Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly-rated adviser does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Generally, ratings, rankings and recognition are based on information prepared and submitted by the adviser.

Connect Best Fit advisor match results are produced based on the selection of specific financial planning interests and/or location as defined by the user upon which various Forum advisors will appear in a Matches by Best Fit result, depending on the number of matching best fit interests and proximity to the location selected, if any. Forum advisors have previously identified several planning categories for which they provide guidance and/or services. While such results suggest potential compatibility for an advisor and client, Matches by Best Fit results do not guarantee that an advisor who appears in a Matches by Best Fit result will be the most appropriate match from the Forum advisor team. It is important that investors perform their own due diligence when considering any advisor to ensure that an advisor meets their criteria. Before making an investment decision, please contact our office at 630.873.8520 to receive a copy of Forum’s Advisory Agreement and Form ADV Part 2A, which includes Forum’s fee schedule. This information is intended to serve as a basis for further discussion with your professional advisors.

Connect Value of Working With a Financial Advisor chart assumes $25,000 invested every year for 20 years. For illustrative purposes only. Performance data shown represents past performance. Past performance is no guarantee of future results and current performance may be higher or lower than the performance shown. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Average annual total returns include reinvestment of dividends and capital gains. The data is not representative of actual Forum portfolios.

* The Global Stock Market: The global stock market as proxied by MSCI All Country World Index (gross div.) from 01/01/1994 to 12/31/1998 and MSCI All Country World Index (net div.) from 01/01/1999 to 12/31/2020.

** Multifactor Exposure: This is a simple weighted average consisting of the following indexes while taking the net of the two associated indexes to show the outperformance of the factor tilts implemented by Dimensional Fund Advisors, all of which are using data annualized returns from 01/01/1994 to 12/31/2020, which is the earliest reporting of the Emerging Markets Index used. 50% Dimensional U.S. Adjusted Market 2 Index minus Dimensional U.S. Market Index, 40% Dimensional International Adjusted Market Index minus Dimensional International Market Index and 10% Dimensional Emerging Markets Adjusted Market Index minus Dimensional Emerging Markets Index.

Factor tilts will vary through time and by client. This example is for illustrative purposes only and is not intended to be representative of any specific portfolio or strategy. Indexes are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Actual returns may be lower.

Information for Small, Value and Profitability provided by Dimensional Fund Advisors LP. In U.S. dollars. U.S. size premium: Dimensional U.S. Small Cap Index minus S&P 500 Index. U.S. relative price premium: Fama/French U.S. Value Research Index minus Fama/French U.S. Growth Research Index. U.S. profitability premium: Dimensional U.S. High Profitability Index minus Dimensional U.S. Low Profitability Index. Dev. ex U.S. size premium: Dimensional Intl. Small Cap Index minus MSCI World ex USA Index (gross div.). Dev. ex U.S. relative price premium: Fama/French International Value Index minus Fama/French International Growth Index. Dev. ex U.S. profitability premium: Dimensional International High Profitability Index minus Dimensional International Low Profitability Index. Emerging Markets size premium: Dimensional Emerging Markets Small Cap Index minus MSCI Emerging Markets Index (gross div.). Emerging Markets relative price premium: Fama/French Emerging Markets Value Index minus Fama/French Emerging Markets Growth Index. Emerging Markets profitability premium: Dimensional Emerging Markets High Profitability Index minus Dimensional Emerging Markets Low Profitability Index. Profitability is measured as operating income before depreciation and amortization minus interest expense scaled by book. S&P data copyright 2021 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2021, all rights reserved.

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