Effective Date: [January 2026]
Kibbel Financial Planning, LLC (“Kibbel Financial Planning,” “we,” “us,” or “our”) provides the information on this website and on our social media channels for informational and educational purposes only.
1) Not Investment, Tax, Legal, or Accounting Advice
Content on this website is general in nature and is not intended to be, and should not be construed as, personalized investment advice, tax advice, legal advice, or accounting advice. Any information presented is not a substitute for professional advice tailored to your circumstances.
You should consult with appropriate professionals regarding your individual situation before taking any action.
2) Advisory Services, Registration, and Jurisdiction
Advisory services are offered through Shorebreak Capital, LLC (“Shorebreak Capital”), an investment adviser registered with state securities authorities.
Registration as an investment adviser does not imply a certain level of skill or training.
Advisory services are only offered to clients or prospective clients where Shorebreak Capital and its investment adviser representatives are properly licensed/registered or exempt from such registration requirements. Nothing on this website constitutes an offer or solicitation to provide advisory services in any jurisdiction where such offer, solicitation, or advisory services would be unlawful.
3) No Client Relationship / No Monitoring / Third-Party Tools
Viewing this website, downloading content, subscribing to updates, completing a form, or contacting us does not create an investment adviser-client relationship. A client relationship is only established through a fully executed written agreement and completion of required onboarding.
We may make available access to third-party tools or platforms (including, without limitation, RightCapital) for informational and organizational purposes. Access to or use of any such tool—whether offered at no cost or otherwise—does not create an investment adviser-client relationship, does not constitute a recommendation, and does not obligate Kibbel Financial Planning or Shorebreak Capital to provide advisory services, review inputs, monitor accounts, or provide ongoing advice unless and until an adviser-client relationship is established in writing.
You are responsible for the accuracy and completeness of information you input into any third-party tool. Unless otherwise agreed in writing, we do not undertake any duty to review or validate data entered, to monitor your information, or to provide advice based on your use of such tools.
Kibbel Financial Planning and Shorebreak Capital do not control the security, availability, or data practices of third-party platforms and are not responsible for their privacy or cybersecurity practices.
4) Investment Risks and No Guarantees
Investing involves risk, including the potential loss of principal. There is no assurance that any strategy will be successful or that any client will achieve their objectives. Diversification and asset allocation do not guarantee a profit and do not protect against loss.
Any examples, illustrations, or general discussions of market behavior are not guarantees of future outcomes.
5) Accuracy, Completeness, and Timeliness
We make reasonable efforts to ensure the information we present is accurate and up to date; however, we do not guarantee the accuracy, completeness, or timeliness of any information on this website. Information may become outdated over time, and we are not obligated to update prior content.
6) Forward-Looking Statements / Opinions
Any views, opinions, forecasts, or forward-looking statements reflect our judgment as of the date of publication and may change without notice. Forecasts are inherently limited and may not be realized.
7) Performance Information (If Ever Referenced)
If this website or our content references investment performance, results, or growth:
- Past performance is not indicative of future results.
- Any referenced performance may reflect model, hypothetical, simulated, or back-tested results and may not reflect actual trading or the impact of material economic and market factors.
- Hypothetical or simulated results have inherent limitations and do not represent actual performance.
- Performance results, if referenced, may not reflect the deduction of advisory fees, transaction costs, or other expenses, which would reduce returns.
- No representation is made that any investor will or is likely to achieve results similar to those shown.
8) Educational Quotes, General Principles, and Financial Concepts
Any quotes, proverbs, sayings, or general financial principles are provided for educational and informational purposes only and are not recommendations to buy or sell any security, to adopt any investment strategy, or to take any specific action. You should not make decisions based on general content without considering your unique circumstances.
9) Testimonials, Reviews, Ratings, and Endorsements
Any testimonials, reviews, ratings, or endorsements on this website or on third-party sites reflect the experience of the individual providing them and are not necessarily representative of all clients. Testimonials are not a guarantee of future performance or success.
Kibbel Financial Planning does not provide cash or non-cash compensation for testimonials or endorsements unless explicitly stated.
If any material conflicts of interest or compensation arrangements exist in connection with a testimonial or endorsement, such information will be disclosed clearly and prominently.
10) Third-Party Links, Tools, and Information
This website may contain links to third-party websites, articles, tools, resources, or other content. These links are provided for convenience and informational purposes only. We do not control, endorse, or guarantee the accuracy, completeness, availability, or security of third-party content, tools, or services.
We are not responsible for any losses or damages arising from your use of third-party information or services.
11) Social Media Disclosure
Content posted on social media is for informational and educational purposes only and is not individualized investment advice.
Third-party comments, “likes,” shares, follows, or other engagement should not be construed as endorsements of Kibbel Financial Planning or Shorebreak Capital, nor do they necessarily reflect the experience of all clients.
12) Tax and Legal Topics
Any tax discussion is general in nature and is not tax advice. Tax laws and regulations are complex and subject to change. You should consult your tax professional regarding your specific situation. Likewise, no content on this website should be construed as legal advice; consult a qualified attorney for legal matters.
13) Email, Text, and Electronic Communications
Please do not send sensitive personal information (e.g., Social Security numbers, account numbers, passwords, or other confidential data) through website forms, email, text, or social media messaging. Electronic communications can be susceptible to interception or loss.
If you communicate with us electronically, you consent to receiving communications from us electronically, including via email or other permitted channels, subject to applicable recordkeeping rules.
14) Privacy and Information You Submit
We respect your privacy. If you choose to submit personal information through this website, forms, scheduling tools, or third-party platforms we make available (including, without limitation, RightCapital), that information may be handled by third-party providers pursuant to their own privacy and security practices. We encourage you to review the privacy policies and terms of use of any third-party platform before submitting information.
Please refer to our Privacy Policy for information about how we collect, use, and safeguard information we receive.
15) Form ADV and Additional Information
For additional information about Shorebreak Capital, including services, fees, conflicts of interest, and business practices, please review Shorebreak Capital’s Form ADV, available on the SEC’s Investment Adviser Public Disclosure website.
16) Contact
If you have questions regarding these disclosures, please contact us using the contact information provided on this website.
