Ramsey & Associates, Inc. ("Ramsey") is a SEC registered investment adviser located in Seattle, Washington. Ramsey and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Ramsey maintains clients. Ramsey may only transact business in those states in which it is registered, or qualifies for an exemption of exclusion from registration requirements. Ramsey's web site is limited to the dissemination of general information pertaining to its diversified services. Accordingly, the publication of Ramsey's web site on the Internet should not be construed by any consumer and/or prospective client as Ramsey'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 Ramsey 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. For information pertaining to the registration status of Ramsey, please contact the SEC or the state securities law administrators for those states in which Ramsey maintains a notice filing. A copy of Ramsey's current written disclosure statement discussing Ramsey's business operations, services, and fees is available from Ramsey upon request. Ramsey 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 Ramsey's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

To view a copy of our current written disclosure, please click here. 

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Ramsey), made reference to directly or indirectly by Ramsey in its web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio.

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

To the extent that any client or prospective client utilizes any device (i.e. spending plan, etc) contained within or linked to Ramsey's web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Ramsey, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Ramsey's web site, to release and hold harmless Ramsey, 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 Ramsey.