Disclosures

Who I am

Sherika Ralliford is an Investment Adviser Representative of Desert Rose Capital Management, a registered investment adviser. Advisory services are offered through Desert Rose Capital Management. Registration as an investment adviser does not imply any particular level of skill or training.

This website is a personal site. It reflects my own writing, projects, and interests. It is not a publication of Desert Rose Capital Management, and views expressed here are my own unless stated otherwise.

Educational content only

Everything published on this site — including articles, journal entries, emails, videos, and social posts linked from here — is provided for general educational and informational purposes only.

Nothing on this site is individualized investment, tax, accounting, or legal advice, and nothing here should be relied on as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. General information cannot account for your circumstances, goals, tax situation, time horizon, or risk tolerance.

Before acting on anything you read here, speak with a qualified professional who knows your full situation. If you would like that conversation with me, it happens in a client relationship, not through this website.

No performance claims or guarantees

No content on this site should be read as a promise or projection of any particular result. All investing involves risk, including the possible loss of principal. No strategy, structure, product, or planning approach eliminates risk, guarantees a profit, or protects against loss in a declining market.

Past performance is not indicative of future results. Where historical information, examples, or hypotheticals appear, they are illustrative only, are not an offer of any specific investment, and do not reflect the deduction of fees, taxes, or expenses that would reduce actual results.

Insurance and other products

Where insurance concepts are discussed, guarantees are subject to the claims-paying ability of the issuing insurance company, and product features, costs, and availability vary by carrier and by state. Any specific product discussion requires a suitability conversation and the applicable carrier documents.

Personal stories and my own numbers

I write openly about my own financial decisions, including specific figures. Those are accounts of what I did in my circumstances at a point in time. They are not case studies, not testimonials, not representative of any client experience, and not a suggestion that you would obtain a similar outcome.

Third-party links and mentions

This site links to third-party websites, tools, books, and services. Those links are provided for convenience. I do not control third-party content and am not responsible for its accuracy, availability, or privacy practices. A link or mention is not an endorsement of the provider by Desert Rose Capital Management.

Affiliate relationships

Some links on this site — most often on the Things I’m Loving page — are affiliate links. If you buy through one, I may earn a small commission at no additional cost to you.

Affiliate compensation never determines what appears here. Items are listed because I actually use and like them. Affiliate arrangements relate to consumer products and tools and never to securities, insurance, or advisory services. Nothing on that page is an investment recommendation.

Speaking and media

Content delivered in talks, workshops, panels, podcasts, and interviews is educational and general in nature and carries the same limitations described above. Speaking engagements are not advisory relationships.

Advisor partnerships

Information on the Advisor Partnerships page is directed to financial professionals and describes how case collaboration may work. It is not an offer of employment, a solicitation of clients, or a guarantee of any compensation, case outcome, or business result. Any working arrangement is governed by a separate written agreement.

Business and technology services

Systems and AI consulting described on this site is a separate business activity from advisory services and is not investment advice. Automation and AI tools can produce errors; nothing described here removes your responsibility to review your own records, filings, and client communications.

Accuracy and changes

Content is published as of the date written and may become outdated. Rules, rates, and product features change. I am not obligated to update prior posts, and I may add, revise, or remove content at any time.

Questions

For questions about these disclosures or about advisory services, use the contact page.