This site is written based on situations, observations and information of unique cases.  Since everyone has there own circumstances, beliefs and values I have no way of knowing if or how any thing on this site fits with your unique circumstances.  Anything published on this site should always be discussed with a qualified professional before acting, as no contributor to this page has the knowledge of any readers personal circumstances.

Accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices set out below. If you do not agree with the terms of these Legal Notices, do not access this website or any pages thereof.

No Advice

The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our website to your particular circumstances. You should consult directly with a professional before acting on any information on this website.

Accuracy and Changes

Facts and information provided on this website are believed to be accurate at the time they are posted. However, this website could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this website without prior notice.

No Solicitation

Nothing on this website constitutes a solicitation or offer to buy or sell products of any kind whatsoever.

Hyperlinks Are Not Endorsements

Links to other websites or references to products, services or publications on this website do not imply the endorsement or approval of such websites, products, services or publications

Disclaimer of Warranty and Limitation of Liability

We do not warrant the accuracy, completeness, quality, adequacy or content of any information on this website. Such information is provided “as is” without warranty or condition of any kind, either express or implied, including, without limitation, the implied conditions and warranties of merchantability and fitness for a particular purpose, except in jurisdictions which do not allow the exclusion of implied warranties.

We will not be responsible or liable for any direct, indirect, special, incidental, or consequential damages, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use of or misuse of or inability to access or use this website, or the information, documents or content thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable.


Christopher Nelmes has given up all financial licenses and will not be advising on investment or insurance products.

Use of Material Contained on this Site

The material or pictures contained on this site is not to be reproduced or copied without written consent from Christopher Nelmes.

The material or pictures contained on this site is not to be reproduced or copied without written consent for Christopher Nelmes.


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