Disclosures

WARRANTIES & DISCLAIMERS

There are no warranties implied.

Hafnia Financial, Inc. is a California registered investment adviser located at 12544 High Bluff Dr., Ste 200, San Diego, CA 92130, telephone (858) 750-6206. Registration as an investment adviser does not imply any particular level of skill or training. Hafnia Financial, Inc. only conducts business in states where it is properly registered or where it qualifies for an exemption or exclusion from registration requirements.

Jan Gleisner is President and an Investment Adviser Representative of Hafnia Financial, Inc. Sean Gelt is Chief Compliance Officer and an Investment Adviser Representative of Hafnia Financial, Inc.

This website is limited to the dissemination of general information regarding Hafnia Financial, Inc.’s investment advisory services and provides access to additional investment-related information, publications, and links. Nothing on this website should be construed by any consumer or prospective client 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. Any subsequent direct communication by Hafnia Financial, Inc. with a prospective client shall be conducted by a representative who is either properly registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. California’s internet-communication guidance for investment advisers specifically contemplates this type of legend as part of a compliant online presence.

For information regarding the registration status of Hafnia Financial, Inc., please contact the appropriate state securities regulators or consult the Investment Adviser Public Disclosure website. Hafnia Financial, Inc.’s current Form ADV Part 2A is available upon request and through the Investment Adviser Public Disclosure website.

Nothing on this website is intended as legal, accounting, or tax advice. Visitors should consult with their own legal, tax, and accounting professionals before acting on any information contained herein.

Third-Party Links

This website may contain links to third-party websites or references to third-party content. Hafnia Financial, Inc. does not control, adopt, or endorse such third-party content unless expressly stated, and is not responsible for the accuracy, completeness, or timeliness of information contained on third-party websites. This distinction is stated clearly so visitors understand that outside content is separate from Hafnia Financial, Inc.’s own communications and regulatory responsibility.

Insurance Products Disclosure

Jan Gleisner is also separately licensed as an insurance agent (CA Lic. #0D77385; AL 3004063397; AZ #7458868; MI #1344582; MO #413192; OR #7458868; VA #1481204) and, in that separate capacity, may offer insurance products, including annuities. Insurance products are not offered through Hafnia Financial, Inc. unless specifically stated otherwise. Any discussion of insurance products on this website is for general informational purposes only and should not be construed as investment advisory services offered by Hafnia Financial, Inc.

Fixed indexed annuities are insurance products, not securities, and are not insured by the FDIC or any other federal government agency. Guarantees associated with fixed indexed annuities are backed solely by the claims-paying ability of the issuing insurance company. Product features, limitations, costs, surrender charges, and availability vary by carrier and state.

Testimonials & Endorsements

Hafnia Financial, Inc. does not use testimonials or endorsements in its advertising. If testimonials, endorsements, or third-party ratings are ever used, they will be presented only in accordance with applicable law and regulation, including required disclosures regarding whether compensation was provided, whether conflicts of interest exist, and whether the statement is representative of the experience of all clients.

Modifications

Hafnia Financial, Inc. reserves the right to modify this disclosure at any time without notice in order to reflect changes in applicable law, regulation, or firm practices.