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Important information about Fat Cat Financial, LLC, this website, and the risks of investing. Please read carefully.
Registered in the state of Pennsylvania. Last updated July 2026.
Fat Cat Financial, LLC (“Fat Cat Financial”) is a Registered Investment Advisor (“RIA”) registered in the state of Pennsylvania. Fat Cat Financial provides four primary services: financial planning, investment management, portfolio review, and consulting for clients nationally, subject to registration requirements. Fat Cat Financial will file and maintain all applicable licenses as required by the state securities administrator. Fat Cat Financial renders individualized responses to persons in a particular state only after complying with the state’s regulatory requirements, or pursuant to an applicable state exemption or exclusion.
This website is intended to provide general (nonspecific to any individual) information about Fat Cat Financial. The content provided on this website is for informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any securities or investment products nor is it intended to create a client-advisor relationship. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement, and shall be subject to the terms and conditions therein.
Information regarding investment products and services are provided solely to read about our investment philosophy, our strategies and to be able to contact us for further information. You should not rely on any information provided on our website in making investment decisions. The content on this website may include opinions or views of Fat Cat Financial or its employees, which are subject to change without notice. It should not be considered as financial, legal, or tax advice. Clients and potential clients are encouraged to seek professional advice from their own financial, legal, or tax advisors before making any investment decisions.
Investing in securities involves risks, and past performance is no guarantee of future results. The value of investments may fluctuate, and investors may lose some or all of their investment. Market data, articles, and other content on this website are based on generally available information and are believed to be reliable. Fat Cat Financial does not guarantee the accuracy, completeness, or timeliness of the information contained on this website. Fat Cat Financial disclaims any liability for errors or omissions. The information is of general nature and should not be construed as investment advice and relied upon in making investment decisions.
This site may contain links to third-party websites or social media platforms. Fat Cat Financial is not responsible for the content, accuracy, or security of external sites.
Fat Cat Financial will provide all prospective clients with a copy of our current Form ADV, Part 2 (“Brochure”) before commencing an Advisory Relationship. Existing clients will receive copies on an annual basis. However, at any time, you can view our current Form ADV, Part 2 on our website. In addition, you can contact us to request a copy.
By using this website, you acknowledge and agree to the terms of this disclaimer. Fat Cat Financial reserves the right to modify, update, or remove any part of this website or this disclaimer at any time without prior notice.
Questions about this disclaimer or the content on this website? Contact us at Kevin@fatcatfinancialadvisor.com
Investment risks and disclaimers you should understand before investing.
Past performance is not indicative of future results. The value of investments and the income they generate can fluctuate, and investors may not recover their initial investment.
Investing in securities involves inherent risks, including the potential for market volatility. Prices of investments may rise or fall due to various factors, and there is no guarantee of positive returns.
Diversification does not ensure a profit or protect against losses in declining markets.
Different asset classes, such as stocks, bonds, and alternative investments, carry distinct risks. Each asset class may react differently to economic and market conditions.
Investing in foreign securities involves additional risks, including currency fluctuations, political and economic uncertainties, and different accounting standards.
Investing in specific industry sectors may expose investors to risks associated with those sectors, such as regulatory changes or shifts in consumer preferences.
Any forward-looking statements or projections are speculative and subject to change. Actual results may differ materially from those expressed or implied in such statements.
Each individual is responsible for all of these risks and any others not specifically stated in this document.
All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks and should discuss these risks with Fat Cat.
The prices of securities in which clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by a fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate potentially sharp declines in market value.
Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline.
When any type of inflation is present, a dollar today will buy more than a dollar next year, because purchasing power is eroding at the rate of inflation.
Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk.
This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities.
Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not.
The advisor’s investment approach may fail to produce the intended results. If the advisor’s assumptions regarding the performance of a specific asset class or fund are not realized in the expected time frame, the overall performance of the client’s portfolio may suffer.
Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the client’s overall portfolio. Small- and mid-cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies.
The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities held by a fund is likely to decrease. A nominal interest rate is the sum of a real interest rate and an expected inflation rate.
When a client invests in open end mutual funds or ETFs, the client indirectly bears their proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value or (ii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. Adviser has no control over the risks taken by the underlying funds in which client invests.
Cash and cash equivalents consist of investments like money market funds, certificates of deposit (CDs), Treasury bills, and short-term government bonds. They are generally considered low-risk compared to other asset classes. While they offer safety, liquidity, and stability, they come with certain risks, such as inflation, interest rate fluctuations, and opportunity costs.
Long-term investments are those vehicles purchased with the intention of being held for more than one year. Typically the expectation of the investment is to increase in value so that it can eventually be sold for a profit. In addition, there may be an expectation for the investment to provide income. One of the biggest risks associated with long-term investments is volatility, the fluctuations in the financial markets that can cause investments to lose value.
Investing involves risk, including possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives or that losses can be avoided.
The achievement of any professional designation, certification, degree, or license, recognition by publications, media, or other organizations, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Fat Cat Financial is engaged, or continues to be engaged, to provide investment advisory services.
Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.
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