DISCLAIMER

Last Updated: November 14, 2025

The information contained on this website (“Site”) is provided by Stark Financial Advisers, Inc. (“SFA,” “we,” “our,” or “us”) for general informational and educational purposes only. By using this Site, you acknowledge and agree to the terms of this Disclaimer.

1. General Information Only – Not Personalized Advice

The content on this Site is not intended to be—and should not be interpreted as—individualized investment, financial, tax, legal, or accounting advice.
All information is provided without regard to your specific financial circumstances, objectives, or risk profile.
Before making any investment or financial decision, you should consult directly with a qualified professional adviser.

2. No Offer, Recommendation, or Solicitation

Nothing on this Site constitutes:

• A recommendation to buy, sell, or hold any security,
• An offer to provide advisory services, or
• A solicitation to engage in any investment transaction.

Advisory services are provided only after a client enters into a written agreement with Stark Financial Advisers, Inc. and only in states where we are properly registered or exempt from registration.

3. Investment Risks

Investing involves risk, including the potential loss of principal.
No guarantee is offered that any strategy, service, or investment discussed on this Site will result in a profit or protect against loss.
Market conditions, economic factors, and third-party data may change without notice.

4. Past Performance Not Indicative of Future Results

Historical returns, performance illustrations, case studies, charts, or examples referenced on this Site are provided for discussion purposes only.
Past performance does not guarantee or indicate future results.

5. Accuracy and Reliability of Information

While we strive to ensure the accuracy of information, we do not guarantee that the content on this Site is free from errors, omissions, or outdated data.
Market data, commentary, third-party material, and referenced sources may be incomplete or subject to revision without notice.

6. Third-Party Websites and External Resources

This Site may contain links to third-party websites or material. These links are provided solely for your convenience.
We do not endorse, control, or guarantee the accuracy, security, or completeness of any third-party site.
You assume all risk associated with accessing any external resource.

7. Custodian Independence

Stark Financial Advisers, Inc. does not maintain custody of client assets.
All custodial services are provided by independent third-party custodians, including Pershing LLC and Charles Schwab & Co., Inc.
Custodians are not affiliated with SFA and do not endorse the advisory services offered.

8. No Warranty

This Site and all content are provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied.
We expressly disclaim any warranties of merchantability, fitness for a particular purpose, title, non-infringement, or availability.

9. Limitation of Liability

Stark Financial Advisers, Inc. shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:

• Use of or reliance on Site content,
• Inability to access the Site,
• Errors or omissions in content,
• Loss of data, profits, or business opportunities,
• Technical failures, malware, or operational disruptions.

Your sole remedy for dissatisfaction with the Site is to discontinue use.

10. Form CRS and Form ADV Availability

Our Form CRS and Form ADV Part 2A are available upon request and through links provided on this Site.
These documents contain important information about our advisory services, fees, and conflicts of interest.

11. No Broker-Dealer Services

This Site represents Stark Financial Advisers, Inc., a state-registered investment adviser.
It does not represent R.M. Stark & Co., Inc., the broker-dealer with which SFA is affiliated through common ownership.
Broker-dealer activities are regulated separately and are not offered through this Site.

12. Contact Us

If you have questions about this Disclaimer or the content of this Site, please contact us at:

Stark Financial Advisers, Inc.
16950 U.S. Highway 441 N, Okeechobee, FL 34972
Phone: 863-697-8024
Email: gstark@rmstark.com