Summit Financial Holdings, LLC’s affiliated firms include, but are not limited to, Summit Financial LLC, Summit Risk Management LLC, Summit Advisory Services LLC, Summit Services IT, LLC and Summit Growth Partners LLC. This website is available for informational purposes only and does not constitute an offer to sell or a solicitation to buy a security or any form of investment advice offered by Summit Financial, LLC. Check the background of this firm (Summit Financial, LLC) on FINRA BrokerCheck
Investment advisory and financial planning services offered through Summit Financial, LLC., a SEC Registered Investment Advisor. Headquartered at 4 Campus Drive, Parsippany, NJ, 07054. Tel. 973-285-3600. Fax. 973-285-3666.
Investment advisory and financial planning services are provided by Summit Financial, LLC a SEC-registered investment advisor firm. Summit Financial Holdings LLC is not a registered investment advisor.
References on the Site to “Summit” or “SFH” refer to Summit Financial Holdings, LLC and its affiliates including Summit Financial, LLC references the SEC-registered investment advisor unless otherwise noted. Any reference to Summit Financial, LLC and Summit Financial refers to the SEC-registered investment advisor.
Reference to capital markets access and investment banking may reference access to relationships as opposed to a specific investment offering or engagement by Summit. References to research & analytics may reference due diligence as to managers, portfolios and market commentary rather than published equity research. References to technology tools or “tech stack” may be indicative of non-affiliated non-proprietary software programs.
Any information that may be considered advice concerning a federal tax issue is not intended to be used, and cannot be used, for the purposes of (i) avoiding penalties imposed under the United States Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter discussed herein. Any references made to awards/professional associations are not an endorsement by any third party to invest with Summit Financial and are not indicative of future performance. Clients should not rely on these for any purpose and should conduct their own review prior to investing.
1 More About Summit Financial Holdings and its Affiliates
Summit Financial Holdings LLC’s affiliated firms include Summit Financial LLC, Summit Risk Management LLC, Summit Advisory Services LLC, Summit Services IT LLC and Summit Growth Partners LLC. Information Technology provided by Summit Services IT, LLC. Payroll and Human Resources services are provided through Summit Advisory Services LLC. Summit Growth Partners is a Partnership business. As an independent wealth management firm with legacy business of close to 40 years, Summit Financial, LLC and its affiliates are proud to continue their vision of guiding clients toward financial success by aligning extensive experience with a forward-thinking philosophy, adapting to industry changes for the sake of best serving our clients now and well into the future. With customized, holistic and hands-on advice, we turn life’s aspirations into success stories. Our financial advice focuses on individual needs and values, not industry norms. Insurance products and services are offered through Summit Risk Management, LLC.
2 Advocus Private Wealth and Vardhan Wealth Management named herein are doing business as featured on behalf of Summit Financial. Investment advisory and financial planning services are offered through Summit Financial, LLC, a SEC Registered Investment Adviser.
3 The Summit team includes admitted attorneys and/or CPAs who act exclusively in a non-representative capacity with respect to Summit’s clients. Neither they nor Summit provide tax or legal advice to clients. Clients should make all decisions regarding the tax and legal implications of their investments and plans after consultation with their independent tax or legal advisors. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local taxes.
4 While the data we use from third parties is believed to be reliable, we cannot ensure the accuracy or completeness of data provided by investors or other third parties. The attached materials, URLs, or referenced external websites are created and maintained by a third-party, which is not affiliated with Summit Financial LLC or its affiliates. The information and opinions found within have not been verified by Summit, nor do we make any representations as to its accuracy and completeness. Summit Financial, LLC, and affiliates are not endorsing these third-party services, or their privacy and security policies, which may differ from ours. We recommend that you review this third-party’s policies and terms.
5 By clicking on the link, you will enter a privately-owned web site created, operated and maintained by a third-party, which is not affiliated with Summit Financial, LLC and affiliates. We have not verified the information and opinions found on this web site, nor do we make any representations as to its accuracy and completeness. By linking to this web site, Summit Financial, LLC and affiliates are not endorsing this third-party's products and services, or its privacy and security policies, which may differ from ours. We recommend that you review the third-party's policies, terms, and conditions to fully understand what information may be collected and maintained as a result of your visit to this web site.
To learn more about Summit Financial Holdings and its affiliates, please visit our website at www.SummitFinancial.com. Summit Financial, LLC, a SEC registered investment advisor, a wholly owned subsidiary of Summit Financial Holdings, established November 2018, is the successor firm to Summit Equities, Inc. (registered with the SEC in 1991) and Summit Financial Resources, Inc. (registered with the SEC in 1983) for all their investment advisory and financial planning business. Investment advisory, financial planning services and products are provided through Summit Financial LLC, a SEC registered investment advisor. Insurance products and services are provided through Summit Risk Management LLC. Summit Growth Partners LLC and Summit Service IT LLC do not provide any financial products or services. SummitVantage™ is used to identify the services offered by Summit Financial Holdings, LLC’s affiliated firms.
Social Media Usage Terms & Conditions
Social Media Privacy Disclosure & Governance for Customers
Website Legal Terms and Conditions
These terms and conditions of use (these “Terms and Conditions”) apply to this website (collectively, the “Site”) and your use thereof.
Please read these Terms and Conditions carefully before using the Site. By accessing and continuing to use the Site, you acknowledge that you have read, understood and agree to these Terms and Conditions. If you do not agree to these Terms and Conditions, you should not access or use the Site. Summit Financial, LLC and its affiliates (“Summit”) reserves the right, at Summit’s discretion, to change, modify, add or remove portions of these terms at any time. Modifications will be effective immediately upon posting unless Summit indicates otherwise. Therefore, Summit suggests that you review these terms periodically for changes. By using the Site after Summit has posted changes to these Terms and Conditions, you are agreeing to be bound by these terms as amended.
Summit Grants You a Limited Right to Use the Site
You may not violate or attempt to violate the security of the Site. At any time and for any reason Summit may revoke your right to use all or any portion of the Site.
All content is for informational purposes only. Nothing contained in the Site constitutes investment, legal, accounting or tax advice and you should not consider any such information on the Site to be the same. Neither the information nor any opinion contained in the Site constitutes a solicitation or offer by Summit or any fund or other entity managed directly or indirectly by Summit to buy or sell any securities, futures, options or other financial instruments. Although the Site may include investment-related information, nothing on the Site is a recommendation that you purchase, sell or hold any security or other investment, or that you pursue any investment style or strategy.
Summit does not give any advice or make any representations through the Site as to whether any security or investment is suitable to you or will be profitable. Decisions based on information contained on the Site are the sole responsibility of the visitor. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants, or attorneys regarding your individual circumstances and needs.
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS AND INVESTMENT STYLE IS NEITHER INDICATIVE OF NOR A GUARANTEE OF FUTURE PERFORMANCE. There is no guarantee that an investment strategy will achieve its objectives. The value of investments may fall as well as rise and investors may not get back the amounts invested. Investment in any of these strategies is speculative, involves a high degree of risk and is designed only for sophisticated investors who are able to bear the loss of their investment in a security. Investing involves risk, including the possible loss of principal.
There are various risks you assume in relying on the content. Dated content speaks only as of the date indicated. Summit makes reasonable efforts to provide accurate content, but at times may not promptly update or correct the Site even if it is aware that the content is inaccurate, outdated, or otherwise inappropriate. Summit may change all or any portion of the Site at any time without notice to you. Summit does not endorse the opinions of, or warrant the accuracy of facts or other content contributed by, any third party. You agree Summit is not liable for any action you take or decision you make in reliance on any content.
The materials in the Site are provided “AS IS” and without warranties of any kind (either express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement). To the fullest extent permissible pursuant to applicable law, Summit disclaims any and all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
Summit further assumes no responsibility for and makes no warranties regarding the availability, accuracy, completeness, timeliness, functionality, reliability, sequencing, or speed of delivery of the functions contained at this Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server that makes it available will be free of viruses or other harmful components. Summit shall not be liable for any damages to, viruses that may infect, or services, repairs or corrections that must be performed on your computer as a result of your accessing this Site.
Summit is not liable for any technological problems regarding the Site or any impact they may have. All or any portion of the Site may not be available and may not function properly at any time. Summit makes reasonable efforts to avoid technological problems, but at any time, the Site may have and may cause technological problems such as viruses and other damaging computer programming routines or engines. Summit takes reasonable security precautions when using the internet, telephone, or other means to transport data or other communications, but Summit disclaims liability for any interception of data or communications. Summit makes reasonable efforts to ensure that the Site is secure, but Summit does not guarantee the security of the Site. Summit is not liable for any damage or injury caused by the performance or failure of performance of all or any portion of the Site. Summit is not liable for any defects, delays, or errors in or resulting from your use of the Site.
Summit does not warrant or represent that the materials on this website are correct, accurate, or reliable. You (and not Summit) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this website.
Summit and its affiliates disclaim, to the fullest extent permitted by law, all express and implied warranties of merchantability, fitness for a particular purpose, and non-infringement. If you live in a state that does not allow disclaimers of implied warranties, our disclaimer may not apply to you.
By using this website, you accept at your own risk that the Internet and online communications medium may not perform as intended despite the efforts of Summit, your Internet Service Provider, and you.
You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.
Reference to a fund or security anywhere on this website is not intended to constitute research and should not be construed as a recommendation to buy, sell, or hold that or any other security, except where an express offer is permissibly made. For example, we provide current prospectuses of our mutual funds and applications for you to use to make an investment.
Security prices are provided for your information only. They are based upon information that we consider reliable, but we do not represent that they are accurate or complete, and they should not be relied upon as such. Prices reflect Summit’s good faith effort to ascertain a fair valuation. These valuation levels do not necessarily assume immediate liquidation of the position and may not be realized upon liquidation. No representation is made that actual transactions could be effected at these levels. Market conditions, transaction size and other factors may affect the price received upon liquidation.
Summit maintains historical materials and disclosures on its Site for archival and regulatory purposes. The information contained in such materials and disclosures was accurate at the time it was initially presented, and Summit assumes no responsibility for updating information to reflect subsequent developments.
Restrictions on Use of Materials Unless otherwise expressly noted, all information and materials, including without limitation images, illustrations, designs, icons, photographs, video clips and written and other materials, that are part of the Site are copyrights, trademarks, service marks, trade names, trade dress and/or other intellectual property owned, controlled or licensed by Summit. No material from the Site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way; provided, however, that you may download, where specifically permitted, one copy of the materials on any single computer for your personal, non-commercial use only, provided you keep intact and properly display all copyright and other proprietary notices. You may not distribute, modify, transmit, reuse, repost, or use the content of the Site, including, without limitation, any text, images, audio and video, for public or commercial purposes without Summit’s written permission. Modification or use of the information or materials for any other purpose will violate the copyright and/or intellectual property rights of Summit. Summit will not treat users of this Site as its clients by virtue of their accessing this Site.
This website's content is protected by U.S. and worldwide copyright and trademark laws and treaty provisions. By using this website, we do not grant you any rights to copy, reproduce, distribute, modify, post, frame-in, sell or license any of the content contained herein, except that you may print a copy of the information contained herein for your personal use only. You may not reproduce or distribute the text or graphics to others or copy all or substantially all of the content to your own hard drive or server. You also may not create a link from a third-party website to this website without the prior written permission of Summit.
Summit, the Summit logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Summit or its affiliates or licensors (“Summit Marks”), except third party trademarks and service marks which are the property of their respective owners. You must not use any such marks without the prior written permission of Summit or the respective owners.
Any use of Summit Marks by third parties must be preceded by written permission from Summit and must be used in the form and with the registered service mark designation as indicated.
Disclosures and Forward-Looking Statements The information contained on the Site may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, that reflect Summit’s current views with respect to, among other things, future events and financial performance. Summit generally identifies forward- looking statements by terminology such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “will,” “should,” “could,” “seek,” “approximately,” “predict,” “intend,” “plan,” “estimate,” “anticipate,” “opportunity,” “comfortable,” “assume,” “remain,” “maintain,” “sustain,” “achieve,” “see,” “think,” “position” or the negative version of those words or other comparable words.
Any forward-looking statements contained on the Site are based upon historical information and on Summit’s current plans, estimates and expectations. The inclusion of this or other forward-looking information should not be regarded as a representation by Summit or any other person that the future plans, estimates or expectations contemplated by Summit will be achieved.
Summit cautions that forward-looking statements are subject to numerous assumptions, estimates, risks and uncertainties, including, but not limited to, the following: global economic, business, market and geopolitical conditions; U.S. and foreign regulatory developments relating to, among other things, financial institutions and markets, government oversight, fiscal and tax policy; conditions impacting the alternative asset management industry; Summit’s ability to retain existing investor capital; Summit’s ability to successfully compete for fund investors, assets, professional talent and investment opportunities; Summit’s ability to retain its executive managing directors, managing directors and other investment professionals; Summit’s successful formulation and execution of its business and growth strategies; Summit’s ability to appropriately manage conflicts of interest and tax and other regulatory factors relevant to Summit’s business; and assumptions relating to Summit’s operations, investment performance, financial results, financial condition, business prospects, growth strategy, and liquidity.
If one or more of these or other risks or uncertainties materialize, or if Summit’s assumptions or estimates prove to be incorrect, Summit’s actual results may vary materially from those indicated in these statements. These factors are not and should not be construed as exhaustive and should be read in conjunction with the other cautionary statements and risks that are included in Summit’s disclosures. There may be additional risks, uncertainties and factors that Summit does not currently view as material or that are not known. Summit does not undertake to update any forward-looking statement because of new information, future developments, or otherwise.
Statements made on our website and in other material in our Company Information area that look forward in time are forward-looking statements. You can identify these forward-looking statements by the use of words such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “intend,” “will,” “plan,” “estimate,” “anticipate” or the negative version of these words or other comparable words. Forward-looking statements are subject to various risks and uncertainties. Such risks and uncertainties include, without limitation, the adverse effect from a decline in the securities markets or a decline in Summit’s products' performance, a general downturn in the economy, competition from other companies, changes in government policy or regulation, inability of Summit to attract or retain key employees, inability of Summit to implement its operating strategy and acquisition strategy, inability of Summit to manage rapid expansion and unforeseen costs and other effects related to legal proceedings or investigations of governmental and self-regulatory organizations. The views on this website were prepared based upon the information available at the time such views were written. Changed or additional information could cause such views to change.
The Site and the information contained herein do not constitute an offer of any fund affiliated with Summit.
Jurisdictional Issues Unless otherwise specified, the materials in or accessible through the Site are directed at residents of the United States, its territories, possessions and protectorates. The Site is controlled and operated by Summit from its offices within the State of New Jersey, United States of America. Summit makes no representation that materials in or accessible through the Site are appropriate or available for use in other locations or that access to them where their content is located is not illegal and prohibited. Those who choose to access the Site from other locations do so on their own initiative and are responsible for establishing the legality, usability and correctness of any information or materials under any or all jurisdictions and the compliance of that information or material with local laws if and to the extent local laws are applicable. You may not use or export the information or materials in violation of U.S. export laws and regulations. The information provided in or accessible through the Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Summit to any registration or other requirement within such jurisdiction or country. Summit reserves the right to limit access to the Site to any person, geographic region, or jurisdiction.
Links to Other Web Sites and Services Summit does not review or monitor any websites linked from or to the Site and your following links from or to such websites is at your sole risk. Accordingly, Summit cannot be held responsible for the information, materials, products or services obtained on or from such other websites, nor will Summit
be liable in any respect whatsoever for any damages arising from your access to such websites. Any links from or to other websites are provided merely for the convenience of the users of the Site and the inclusion of these links does not imply an endorsement, representation or warranty by Summit with respect to any such linked websites or the content, products or services contained or accessible through, or the operators of, such websites.
Liability SUMMIT’S LIABILITY WITH RESPECT TO THE SITE IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
AS A CONDITION OF USE OF THIS SITE, YOU AGREE TO INDEMNIFY SUMMIT OR ANY OF SUMMIT’S AFFILIATES, AGENTS, OR EMPLOYEES FROM AND AGAINST ANY AND ALL ACTIONS, CLAIMS, LOSSES, DAMAGES, LIABILITIES AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING OUT OF THESE TERMS AND CONDITIONS, THE SITE, OR THE INABILITY TO USE THE SITE.
SUMMIT’S LIABILITY IS LIMITED EVEN IF SUMMIT HAS BEEN ADVISED OF THE POSSIBILITY OF THE DAMAGES YOU SUFFER OR IF ANY REMEDY YOU HAVE FAILS IN ITS ESSENTIAL PURPOSE.
UNDER ALL CIRCUMSTANCES, THE MAXIMUM LIABILITY OF SUMMIT, ITS AGENTS, AND EMPLOYEES TO ANY USER OF THE SITE WITH RESPECT TO THE SITE IS $100.
Governing Law and Consent to Jurisdiction These terms and your use of the Site shall be governed by all applicable federal laws of the United States of America and the State of New Jersey. Any legal action or proceeding related to this Site shall be brought exclusively in a federal or state court of competent jurisdiction sitting in New Jersey.
Monitoring of Site Summit expressly reserves the right to monitor any and all use of this Site. Summit is under no obligation to do so and assumes no responsibility or liability arising from the use of this Site.
Privacy and Security Policy Federal law requires financial institutions to inform clients of their policies relating to the protection of personal financial information. The following statement explains how Summit handles the information that we receive about our clients. Summit is committed to protecting the privacy and confidentiality of non-public personal customer information. Personal information is any data that identifies clients or their accounts.
Information Collection Summit may collect personal information through submission of account documentation and contact information on forms completed by the client, or client’s authorized representative. Such information could include the client’s name, e-mail and postal address, phone number, Social Security number, date of birth, government identification information, assets, income, financial needs and goals, account balances and transactions, including those with unaffiliated third parties. We use this information only to process your requests and transactions and to provide you with financial advice. We restrict access to nonpublic personal information about you to those Summit employees who need to know that information to provide services to you.
Safeguards Summit uses the following measures to protect the privacy of clients. All personal information in our computers is protected from unauthorized access by a secure firewall and database architecture. In instances where personal information is exchanged via the internet, electronic and procedural methods to safeguard this exchange are used.
It is the policy of the Firm to ensure so called “consumer report information” (such as personal information about a client, e.g., Social Security number) is protected, maintained and disposed of in ways that ensure such information is safeguarded from unauthorized uses or disclosures. Summit will take reasonable measures to dispose of personal information so that it cannot be read or reconstructed for unauthorized use. Summit will determine the appropriate method of disposal on an as needed basis.
Service Providers Summit may have relationships with non-affiliated third parties that require us to share customer information in order for the third party to carry out its services for us.
Processing and Servicing Transactions Summit may share information when it is necessary to effect, administer, or enforce a transaction for our clients or if a client initiates a request for us to share information with an outside party. All requests by clients must be received in writing from the client.
Sharing as Permitted or Required by Law Summit may disclose information to non- affiliated third parties as allowed by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, an audit or examination, or the sale of an account to another financial institution.
Summit Financial, LLC Website Legal Terms and Conditions: Last updated July 2021.