Website Disclosure
The information contained on this website is provided for informational purposes only and should not be construed as investment, tax, legal, insurance, or mortgage advice. Nothing on this website should be interpreted as a recommendation or solicitation to buy or sell any security or financial product.
Gavande & Company is a brand representing financial services offered through affiliated entities. Use of this website does not create an advisory or client relationship with Gavande & Company or any affiliated entity.
Visitors should consult with qualified professionals before making financial decisions.
Investment Advisory Services
Investment advisory services are offered through The Santa Cruz Company LLC dba Farm and Community Advisory, a California registered investment adviser.
Registration as an investment adviser does not imply a certain level of skill or training.
Investment advisory services may be offered only in jurisdictions where the firm is properly registered or exempt from registration requirements.
Insurance Services
Insurance products are offered through The Santa Cruz Company LLC (California Agency License #6018788; Individual License #0D62701).
Insurance coverage details, eligibility, and policy terms vary by provider and policy. Clients should consult with a licensed insurance professional to determine appropriate coverage.
Insurance products are not deposits, are not insured by the FDIC or any federal government agency, and may involve risk.
Mortgage Services
Mortgage services are offered through Farm and Community Asset Advisors LLC dba Farm and Community Mortgage, licensed under applicable California lending laws including the California Residential Mortgage Lending Act and/or California Finance Lenders Law.
Mortgage products and lending terms vary based on borrower qualifications and underwriting requirements.
Mortgage services may only be offered in states where the firm is properly licensed.
Custodial Relationships
Client assets may be held at independent custodians such as Charles Schwab & Co., Inc.
The Santa Cruz Company LLC and Charles Schwab & Co., Inc. are separate and unaffiliated entities.
Securities cannot be purchased, sold, or traded via email or voicemail. Insurance coverage cannot be bound, altered, or cancelled via email or voicemail.
Investment Risk Disclosure
All investing involves risk, including the possible loss of principal.
Diversification, asset allocation, and other investment strategies are designed to help manage risk but do not guarantee profits or prevent losses.
Past performance is not indicative of future results. There can be no assurance that any investment strategy will achieve its objectives.
Professional Credentials
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark and the CERTIFIED FINANCIAL PLANNER® certification mark in the United States and authorizes their use by individuals who successfully complete CFP Board's initial and ongoing certification requirements.
CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.
CLU® (Chartered Life Underwriter®) and ChFC® (Chartered Financial Consultant®) are professional designations awarded by The American College of Financial Services.
Third-Party Websites
This website may contain links to third-party websites. These links are provided for convenience only.
Gavande & Company and its affiliated entities are not responsible for the content, privacy practices, or accuracy of information contained on third-party websites.
Intellectual Property
All materials contained on this website, including text, graphics, logos, and design elements, are the property of Gavande & Company or its affiliates and may not be reproduced, distributed, or used without prior written consent.
Limitation of Liability
Gavande & Company and its affiliated entities shall not be liable for any damages arising out of or related to the use of this website or reliance on any information contained herein.
Use of this website is at the user's own risk.
Jurisdiction
These Terms of Use shall be governed by and construed in accordance with the laws of the State of California.
Changes to This Disclosure
Gavande & Company reserves the right to modify these Legal Disclosures and Terms of Use at any time without prior notice. Updates will be posted on this website.
Contact Information
For questions regarding these Legal Disclosures or Terms of Use, please contact:
Gavande & Company
24685 Soquel San Jose Road, Los Gatos, CA 95033
Phone: (650) 709-7067