Important Disclosures

Firm Description

Sera Capital Management (herein referred to as “SCM”, the “Firm”, “we”, “us”, “our”) is an investment management firm which has been operating since April, 1990. Carlos M. Sera is the sole business owner. SCM provides investment management services to high net worth individuals, nonprofits, institutions and other registered investment advisors. SCM offers fee only investment advice based on a percentage of assets under management, or occasionally for a fixed fee. SCM follows a tactical investment strategy that is focused on maximizing absolute return while minimizing large losses. SCM provides advice on exchange listed equity securities and mutual funds, corporate debt, CD’s, municipal securities, US government securities, and securities options contracts. As part of the service’s offered, SCM provides advice on the following:

1. Investment Planning
2. Retirement Planning
3. College Education Planning
4. Distribution Planning
5. Spending Policy and Planning

Referrals to appropriate professionals are made to address the following planning issues:

1. Income Tax
2. Fringe Benefit/Employee Benefit Planning
3. Insurance Planning
4. Estate Planning
5. Charitable Gift Planning

SCM is a state-registered investment adviser based in Maryland and only transacts business in states where properly registered, or excluded or exempted from registration. The presence of this website on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell advisory services to residents of any states other than those in which SCM is registered or is excluded or exempted from registration. State registration does not constitute an endorsement of SCM by state regulators nor does it indicate that SCM has attained a particular level of skill or ability. Additional information, including SCM’s advisory fees, Code of Ethics, and other helpful disclosures, can be found in SCM’s disclosure document (Form ADV Part 2), which is available upon request or on the SEC’s website at www.adviserinfo.sec.gov.

Informational Purposes Only

The publications, charts, tables, and other information (“Information”) shown on this website are provided to you for your informational purposes only and are not intended to be and do not constitute investment or tax advice nor a solicitation or offer to buy or sell any investment. We urge readers to consult with a financial advisor with respect to any investment.

This website contains archival information. The information contained in our archived publications is not updated and should not be considered accurate at the time you review it on this website. The opinions and analyses expressed in our publications constitute judgments as of the date of the publication.

SCM, its officers, employees, and clients may hold or take positions contrary to securities mentioned on this website and publications contained herein. Specific securities identified and described in our website and other publications do not represent all of the securities purchased, sold or recommended for client accounts.

It should not be assumed that an investment in the securities identified was or will be profitable. Past performance does not guarantee future results. All investments involve risks including the loss of principal.

Hypothetical Performance Results

This website and other publications contained herein may include hypothetical performance results Hypothetical performance results do not reflect the returns from actual investments. The hypothetical results were calculated using the returns of market indices for certain asset classes, and not the returns of securities or other investment products. Market indices are unmanaged and have been provided for comparative and illustrative purposes only. Index performance returns do not reflect any management fees, transaction costs or expenses. One cannot invest directly in an index. No representation is being made that an investor will achieve results similar to those shown. Hypothetical performance is not a guarantee of future results. Hypothetical performance results have inherent limitations, including: they are generally prepared with the benefit of hindsight; do not involve financial risk or reflect actual trading; and do not reflect the economic and market factors, such as concentration, lack of liquidity or market disruptions, trading costs, and other conditions, that might have an impact on decision-making when managing actual investments. Since trades have not actually been executed, hypothetical performance results may have under or over compensated for the impact, if any, of certain market factors.

Privacy Policy

Privacy and Safeguarding

We are committed to the protection and privacy of its clients’ personal and financial information. We will not share such information with any affiliated or nonaffiliated third party except as permitted by law.

Online Privacy Notice

Unless you provide additional information, this website, owned and maintained by SCM, collects only the following information as you browse through this website: the domain name and browser you use to access the Internet; the date and time of your visit; the pages you visited; and the address of the website you visited immediately prior to visiting this website.

This website collects this information for statistical purposes and for evaluating this website to make it more useful to visitors.

If you send an e-mail message to this website, or complete a questionnaire, form, or other online survey found on this website, thereby giving us your personal information (“Personal Information”), we will securely maintain this information. We will not disclose, give, sell, or transfer any of your Personal Information collected to any third party, other than as necessary to perform our services, or unless required for law or by court order.

For site security purposes and to ensure that this service remains available to all users, this website employs software programs to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Use of Cookies

Certain websites use “cookies,” which are small amounts of information stored by your web browser software on your workstation. In most cases, this information is temporary in nature (called session cookies) and is deleted as soon as you leave this website. The use of temporary cookies is solely for the purpose of allowing the user to interact with this website in an effective manner. In a few cases, this website uses cookies to store information for a longer period than the current session (persistent cookies). In those cases, the webpage is clearly noted and the user can choose not to use that webpage feature.

By using this site, you are agreeing to the terms set forth in this Privacy Policy. SCM reserves the right, at its discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page periodically for changes. Your continued use of this site following the posting of changes to these terms will mean that you accept those changes.

Links on Our Website

The information being provided is strictly as a courtesy. When you link to any of the websites provided herewith, you are leaving this site. SCM makes no representation as to the completeness or accuracy of information that is provided at these sites. Nor is SCM liable for any direct or indirect technical or system issues or any consequence arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site.

Forward-Looking Disclaimer

Any forward-looking statements (statements that are not historical facts) set forth in this website are not, and should not be considered, a guarantee of future performance. When used in this website, words such as “anticipate”, “project”, “expect”, “plan”, “goal”, “forecast”, “intend”, “could”, “believe”, “may”, and similar expressions and statements regarding the plans and objectives of an enterprise for future operations, are intended to identify forward-looking statements. SCM cannot give any assurance that such expectations will prove to be correct. Such statements are subject to a variety of risks, uncertainties and assumptions. In the case of any forward-looking statement the actual results could differ materially from those expressed or indicated by the forward-looking statement. These risks and uncertainties include, but are not limited to: 1) changes in interest rate environment; 2) general economic conditions; 3) changes in the regulatory environment; 4) changes in business conditions and inflation; 5) the involvement of the United States in war or other hostilities; 6) future credit loss experience; 7) civil disturbances or terrorist threats or acts, or apprehension about the possible future occurrences of acts of this type; and 8) changes in securities markets. SCM has no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events or otherwise. Readers are, therefore, cautioned not to place undue reliance on these forward-looking statements.

Investors

This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting professionals before engaging in any transaction.

This is not an offer to sell securities.

Disclosure

This website is neither an offer to sell nor a solicitation of an offer to buy any security which can be made only by a prospectus, or offering memorandum, which has been filed or registered with appropriate state and federal regulatory agencies, and sold only by broker dealers and registered investment advisors authorized to do so.

Contact Information

If you have any questions regarding the content and material on our website, please contact us at:

1910 Towne Centre Blvd, Suite 250,
Annapolis, MD 21401