Website Disclosure

WARRANTIES & DISCLAIMERS

There are no warranties implied.

IMPORTANT CONSUMER INFORMATION

Hafnia Financial, Inc. (“Hafnia”) is a California-registered investment adviser with its principal place of business at 12544 High Bluff Dr., Suite 200, San Diego, California 92130. Telephone: (858) 750-6206. 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 intended solely to provide general information regarding Hafnia and its services and is not directed to any person in any jurisdiction where the publication or availability of this website would be contrary to applicable law or regulation.

This website is provided for informational and educational purposes only. Nothing on this website should 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, nor should it 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. Any information contained on this website is general in nature and may not be suitable for your particular circumstances.

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.

Firm Principals

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.

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 markets, risks, planning strategies, asset classes, or investment concepts on this website is general in nature and may not apply to your specific financial situation, investment objectives, or needs.

No Legal, Tax, or Accounting Advice

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

Third-Party Content and Links

This website may contain articles, publications, links, calculators, videos, commentary, 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 unaffiliated third parties, 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, adoption, or approval by Hafnia of any third-party content, service, product, view, or opinion unless expressly stated otherwise. Visitors should understand that third-party content is separate from Hafnia’s own communications and regulatory responsibility.

Insurance and Dual-Capacity Disclosure

Jan Gleisner is also separately licensed as an insurance agent and, in that separate capacity and outside business activity, may offer insurance products, including fixed indexed annuities and other insurance products where properly licensed. Insurance products are not offered through Hafnia Financial, Inc. unless expressly 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. Jan Gleisner does not offer variable annuities.

Insurance Licenses: CA Lic. #0D77385; AL #3004063397; AZ #7458868; MI #1344582; MO #413192; NC #7458868; NV #984996; OR #7458868; VA #1481204.

Fixed Indexed Annuity Disclosure

Fixed indexed annuities are insurance products, not securities, and are not bank deposits or obligations, and they 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, fees, participation rates, caps, spreads, riders, surrender charges, and availability vary by carrier, product, and state.

Testimonials, Endorsements, and Third-Party Ratings

Hafnia Financial, Inc. does not currently 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 concerning compensation, material conflicts of interest, and whether the statement is representative of the experience of all clients.

No Government Affiliation

Hafnia Financial, Inc. is not affiliated with or endorsed by the Social Security Administration, Medicare, or any other government agency.

Website Availability / No Warranty

Information on this website is believed to be current as of the date posted or indicated, but it may become outdated or be superseded without notice. Hafnia makes no representation or warranty, express or implied, as to the accuracy, completeness, or timeliness of the information contained on this website. To the fullest extent permitted by law, Hafnia disclaims liability arising from any reliance placed on information contained on this website.

Modifications

Hafnia reserves the right to modify this website and this disclaimer at any time without notice in order to reflect changes in firm practices, applicable law, or regulation. 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 individual circumstances.