Disclosures
Important disclosures.
Last updated October 1, 2026
Registration
Hearth & Ledger LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. More information about our firm, including our Form ADV Part 2A brochure, is available on request and at adviserinfo.sec.gov.
Fee-only compensation
We are compensated solely by fees paid directly by our clients. We do not receive commissions, 12b-1 fees, referral fees or any other compensation from third parties in connection with our advice.
Calculators and illustrations
The calculators on this website are hypothetical illustrations for educational purposes. They rely on assumptions — such as constant rates of return and contribution amounts — that will not match real-world results. They are not a guarantee of future performance and should not be the sole basis for any financial decision.
Testimonials
Client stories are shared with permission, with names and identifying details changed. They may not be representative of the experience of other clients and are no guarantee of future performance or success. No compensation was provided for any testimonial.
No individual advice
Content on this website is general information, not individualized investment, tax or legal advice. Please consult a qualified professional about your specific situation. Investing involves risk, including possible loss of principal.