Disclosures

IMPORTANT DISCLOSURE INFORMATION

Josh Jalinski is the founder and president of Jalinski Advisory Group, Inc. (JAG) which is a licensed insurance agency under NJ Department of Banking and Insurance. Josh A Jalinski is a licensed insurance agent. Agents can introduce insurance products for review and consideration. You are absolutely under no obligation to purchase any insurance products from any agent of Jalinski Advisory Group, Inc. Agents are paid commissions from the sale of various insurance products that the agent is trained and authorized to sell which creates a conflict of interest as the receipt of commissions provides incentive to recommend insurance and annuity products based on commissions to be received, rather than on a particular client’s need.  In the event you determine to purchase an annuity or insurance-related product from Agent, the Agent shall receive initial and ongoing commissions-based compensation and sales incentives including health insurance, retirement plan and pension from the issuing insurance company and/or FMO that provides an incentive for the Agent to recommend such products.  The amount of compensation payable to the Agent shall differ based upon the type of insurance product and the issuing insurance company. JAG, the agency receives commissions, and overrides, from the sale of licensed insurance products sold through one of its Agents.

Josh A Jalinski is also the President of Wealth Quarterback LLC (WQL) an SEC (RIA) Registered Investment Advisory firm, as such has a fiduciary duty to all of it’s clients, which means we have an ethical obligation to act in the best interest of our clients. to put our clients’ needs before the needs of the firm or the individual advisor. This duty requires that any advice or actions taken are made in good faith and with the utmost care, honesty, and loyalty. It’s about putting the clients’ interests ahead of their own, avoiding conflicts of interest, disclosing when conflicts arise and striving for transparency in all dealings. In simpler terms, it’s like saying “we have a responsibility to always do what’s best for our clients”.

Wealth Quarterback LLC SEC RIA Wealth Quarterback LLC Form CRS & ADV Package

AWARDS

FIVE STAR WEALTH MANAGER

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria.

The required eligibility criteria are as follows:

1. Credentialed as a registered investment adviser or a registered investment adviser representative;

2. Active as a credentialed professional in the financial services industry for a minimum of 5 years;

3. Favorable regulatory and complaint history review

a. As defined by Five Star Professional, the wealth manager has not:

i. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine;

ii. Had more than a total of three customer complaints filed against them, settled or pending, with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience;

iii. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority;

iv. Filed for personal bankruptcy;

v. Been convicted of a felony);

4. Fulfilled their firm review based on internal standards;

5. Accepting new clients.

THE EVALUATION CRITERIA USED FOR CANDIDATE CONSIDERATION ARE AS FOLLOWS:

1. One-year client retention rate;

2. Five-year client retention rate;

3. Non-institutional discretionary and/or non-discretionary client assets administered;

4. Number of client households served;

5. Education and professional designations.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 3,868 New Jersey wealth managers were considered for the award; 664 (18 percent of candidates) were named 2017 Five Star Wealth Managers.

MEMBERSHIP IN THE MILLION DOLLAR ROUND TABLE: [INSURANCE INDUSTRY AWARD]

Josh A Jalinski has qualified for the Top of The Million Dollar Round Table for the last 15 years confirmed as of Feb 28, 2023 based on the Income Method. Member detail requirements are available from: https://www.mdrt.org/join/member-requirements/

For 2023, a minimum of USD 720,000 of eligible annual gross income is required. The applicant must meet the minimums of USD 47,500 in new business .

Verification of eligible production under the income qualification method is accomplished via a certifying letter signed by the applicant. All applications submitted under the income method are subject to a random production verification audit at a later date. If selected, the individual will need to supply supporting documents, such as commission statements, that verify the amounts claimed. Applicants for the Top of the Table must continue to submit proof of production via certifying letter(s) until achieving 10 years of membership at that level. They may declare their eligibility without certifying letters or income documents when applying for the eleventh year of membership at Top of the Table level. Applicants for the Million Dollar Round Table are required to pay annual dues in the amount of $600USD, while applicants for the Top of the Table are subject to additional annual dues in the total amount of $1100 USD.

Code of Ethics of the Million Dollar Round Table

Members of the Million Dollar Round Table should be ever mindful that complete compliance with and observance of the Code of Ethics of the Million Dollar Round Table shall serve to promote the highest quality standards of membership. These standards will be beneficial to the public and the insurance and financial services profession. Therefore, members shall:

  1. Always place the best interests of their clients above their own direct or indirect interests.

  2. Maintain the highest standards of professional competence by seeking to maintain and improve professional knowledge, skills and competence.

  3. Hold in strictest confidence, and consider as privileged, all business and personal information pertaining to their clients’ affairs.

  4. Make full and adequate disclosure of all facts necessary to enable clients to make informed decisions.

  5. Maintain personal conduct which will reflect favorably on the insurance and financial services profession and the Million Dollar Round Table.

  6. Determine that any replacement of an insurance or financial product must be beneficial for the client.

  7. Abide by and conform to all provisions of the laws and regulations in the jurisdictions in which they do business.