BPAS University is an interactive, educational website provided to BPAS account holders. Information on this site is not investment advice. Materials are provided as general information and are not intended as to be used for specific, personalized investment advice.

In accessing and using the site, users acknowledge and agree to the following:

Not investment advice. The materials, presentations, tools and materials provided on this website and through electronic communications are intended to offer general information on finance and investment topics. While all reasonable efforts have been taken to ensure the accuracy of the materials provided, BPAS does not guarantee or warrant the accuracy or completeness of such information. The information provided is not intended as specific, personalized investment advice.

Past performance does not guarantee future results. Many of the materials contained herein provide commentary or historical information on market performance in prior time periods. Past performance does not guarantee future results. You should not rely on any past performance of an investment or market as a guarantee of future investment performance. Investment conditions fluctuate constantly as does the performance of specific investment vehicles.

Time horizon, risk tolerance, and personal preferences. Investors need to consider their individual time horizon, risk tolerance, and personal outlook on risk to determine their unique investment strategy. This site provides tools to help assess your risk tolerance as well as sample portfolios that may correlate to different investor profiles. It is up to each investor to determine the right mix of investments based upon the range of available options. Account holders should contact their advisor to discuss a personalized investment strategy.

Subject to change. The content available in the site is subject to change at any time, without advance notice. Changes may include additions, deletions, or corrections of materials or information contained therein.

Please contact your advisor with questions about your investments.