Important Disclosure Information

Investment Management 

Evermay and its Wealth Advisors provide ongoing discretionary portfolio Investment Management Services to clients. Wealth Advisors work closely with clients to establish financial goals and objectives based on their specific financial circumstances and needs.

Evermay investment strategy recommendations are provided to clients only after we thoroughly review each client’s investment goals, financial situation, liquidity needs, tax sensitivity, investment horizon and risk tolerance (together “Investor Profile). We will provide ongoing investment advice to our clients and if their goals change, we will work with them to keep their investment strategy in-line with those changes. Evermay will provide ongoing monitoring of their portfolios and make changes to the portfolio holdings and asset allocations as necessary.

Portfolio investments and asset allocation decisions are subject to a due diligence review process by our experienced investment professionals.  All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, or rebalancing cannot eliminate the risk of investment losses. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio.

Past performance is not indicative of future results. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. The Firm will provide clients with objective investment advice. Due to a variety of factors, including advisor discretion, investment size, timing, and specific security restrictions, client portfolios held in the same investment strategy will likely hold different securities.  Economic factors, market conditions, and investment strategies will affect the performance of any portfolio.

Financial Planning

Evermay offers financial planning services that focus on determining our client’s unique long-term financial goals and objectives and establishing a road map to help them achieve those goals. Clients who would like to obtain a financial plan are provided with a financial plan report and consultative review sessions to discuss detailed steps and recommendations to implement the plan. Financial Planning is included as part of the Investment Management offering and there is no additional charge for this service. 

During the financial planning process, we listen to our clients describe their goals and financial objectives in order to provide Evermay with the necessary information to assist us with building their financial plan. 

It remains each client’s responsibility to promptly notify Evermay if there is ever any change in his or her financial situation or investment objectives for the purpose of reviewing, evaluating, and revising our previous financial plans, recommendations and/or services. 

Estate Planning

Evermay is not a law firm and it does not provide tax or legal advice.

Evermay offers two distinct avenues for offering estate planning services: estate planning consulting and an estate document preparation service. Estate planning is included as part of our financial planning services. The firm has leveraged the resources of a law firm to advise Evermay on client specific estate planning strategies. Estate planning consulting does not include the preparation of estate documents. Evermay’s estate and trust document preparation service uses a comprehensive estate management platform to create detailed estate plan documents. This service, including document preparation, is available for an additional fee.

Clients should also consider consulting their personal tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters. As part of Evermay’s financial planning services, we will engage with our clients’ third-party tax and legal professionals.  This level of coordination helps with the implementation of our clients’ tailored financial plans.

Retirement Plan Solutions

Like all fiduciaries, a “3(21) advisor” must meet the “prudent expert” standard, meaning they must exercise the skill and care that a prudent expert would in a similar situation. 

As a Section 3(21) Fiduciary, Evermay will offer retirement plans objective recommendations to help the plan sponsor meet ERISA’s prudent investment selection and monitoring standards, thereby sharing the fiduciary responsibility.  The plan sponsor will have the ultimate decision-making authority and liability.  Hiring a 3(21) advisor, like Evermay, helps the plan sponsor by providing professional expertise and objective advice. Section 3(21) advisors do not have discretionary authority to manage plan assets or execute transactions on their own. 

Who We Serve - Testimonials

The testimonials on this website are given by individuals who are current clients of Evermay. No compensation was provided for these testimonials, and no material conflicts of interest are present as a result.  The Firm requested testimonials from a subset of clients. Testimonials do not guarantee a level of success, nor do they guarantee that all clients will have the same experience.

Photos and images on this website are not past or present clients of Evermay. These photos should not be construed as an endorsement of Evermay or its representatives by any client.

Awards, Rankings, and Recognition 

Awards, rankings and/or recognition by unaffiliated rating services, media, or other publications as well as any amount of prior experience or the achievement of any professional designation, certification, degree, license, or membership in any professional organization: are not indicative of Evermay’s future performance, or any future performance pertaining to its clients’ investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if Evermay is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of Evermay by any of its clients.  Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

Unless otherwise indicated, a fee was not paid by either the investment professional or Evermay to receive the ranking. The ranking is based upon specific criteria and methodology (see ranking criteria/methodology <<hyperlink>>). Consideration for industry rankings and awards generally stems from industry surveys, questionnaires, nor the Firm’s submission of requisite nomination.

Commentary, Newsletters, and Articles

This website should not be construed by any client or prospective client as Evermay’s attempt to render personalized investment advice for compensation over the internet. 
Evermay 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 Website or incorporated herein, and takes no responsibility for the same. All such information is provided solely for convenience, educational, and informational purposes only.

While information presented is believed to be factual and up-to-date, Evermay does 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. No user should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Evermay or from any other investment professional.