Important Consumer Information

Hafnia Financial, Inc. (“Hafnia”) is a California-registered investment adviser with its principal place of business in San Diego, California. Registration as an investment adviser does not imply any particular level of skill or training. Hafnia only conducts business in states in which it is properly registered or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by Hafnia with a prospective client shall be conducted only by a representative who is either properly registered or otherwise permitted to engage in such communications under applicable state law.

This website is provided for informational and educational purposes only. The publication of this website should not be construed as a solicitation to effect, or attempt to effect, transactions in securities, or as the rendering of personalized investment advice for compensation over the Internet. Nothing on this website is intended to be, and should not be interpreted as, individualized investment advice, a recommendation to buy or sell any security, or an offer to provide advisory services in any jurisdiction where Hafnia is not properly registered or otherwise permitted to operate. California’s internet-communication guidance for investment advisers specifically contemplates this type of legend and limits follow-up individualized responses unless registration or an exemption is in place.

A copy of Hafnia’s current Form ADV Part 2A disclosure brochure is available upon request and through the Investment Adviser Public Disclosure (IAPD) website. Prospective clients are encouraged to review Hafnia’s disclosure documents carefully before entering into an advisory relationship. The IAPD is the official public website for viewing investment adviser firm registration and Form ADV information.

Investment Risk Disclosure

All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. No investment strategy, asset allocation approach, or risk management technique can guarantee profit or protect against loss in all market environments. Any discussion of risks, market conditions, or planning strategies on this website is general in nature and may not apply to your particular facts or circumstances. The SEC’s marketing rule and California advertising standards both require advisory advertising to be true, accurate, and not materially misleading.

Professional Advice Disclaimer

Nothing contained on this website should be construed as tax, legal, accounting, or other professional advice. You should consult your own qualified tax professional, attorney, accountant, and/or financial professional before implementing any strategy discussed on this website. Decisions involving investments, retirement income, estate planning should be made only after consideration of your own objectives, risk tolerance, financial situation, and legal and tax circumstances.

Third-Party Content

This website may contain articles, publications, links, calculators, videos, or other content provided by unaffiliated third parties. Hafnia does not control and is not responsible for the accuracy, timeliness, completeness, suitability, or relevance of any information prepared by any unaffiliated third party, whether linked to this website or incorporated into it. Any such third-party content is provided solely as a convenience and should not be construed as an endorsement, recommendation, or adoption by Hafnia of any third-party content, service, view, or opinion. Under current advertising standards, third-party content and endorsements can create misleading impressions if not properly framed, so this separation is worth stating clearly.

Modifications

Hafnia reserves the right to modify this website and these disclosures at any time without notice. Your use of this website constitutes your acknowledgment that you have reviewed this disclaimer and understand that the information provided is general in nature and not tailored to your personal circumstances.