Important Disclosures:Educate Yourself On The Risks of Art Investments

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Disclosure

The information provided on this website and any past, present, or future communications with our advisors is for informational purposes only. It does not constitute an offer, solicitation, or recommendation to buy or sell any security or investment. Art investments involve risks, including the potential loss of principal, and there are no guarantees of profitability. Past performance is not indicative of future results. We strongly advise prospective investors to consult a registered financial advisor and conduct independent research before making investment decisions. The content reflects the author’s opinions and may be subject to change as the art market evolves.

Forward-Looking Statements

This website and related communications may include forward-looking statements that reflect our current expectations and beliefs about future events within the art market, including potential outcomes from art purchases and advisory services. These statements may include, but are not limited to, terms such as "anticipate," "project," "foresee," "expect," "estimate," "predict," "forecast," "suggest," "believe," and "indicate." These statements are based on current information and involve risks and uncertainties that could cause actual results to differ materially from those expressed or implied. We do not undertake any obligation to update these statements unless required by law.

Risks and Uncertainties

Investing in art involves several risks and uncertainties, including but not limited to:

• Art Market Risks: Fluctuations in demand and pricing for specific artists or works.
• Advisory Performance Risks: Recommendations may not align with market outcomes.
• Operational Risks: Challenges in researching or advising on specific pieces.
• Client Relationship Risks: Potential misunderstandings about the scope of services.
• Regulatory Risks: Changes in laws affecting art transactions.
• Economic Risks: Broader economic conditions like recession or inflation.
• Liquidity Risks: The inherent illiquidity of art as an asset.
• Auction House Risks: Risks associated with purchases through auction houses.
• Due Diligence Risks: Clients are responsible for verifying all artwork's authenticity, provenance, and condition.
• Insurance Risks: Not having adequate insurance coverage.
• Data Security and Privacy Risks: Although we are committed to protecting client information, potential data breaches may occur.
• Legal and Tax Advice Disclaimer: We do not provide legal or tax advice; please consult your advisors.
• Force Majeure: Unforeseen events such as natural disasters or pandemics that could impact services.
• Investment Horizon and Exit Strategy: Art investments are typically long-term and may require extended holding periods.

Client Acknowledgment

By engaging with our services, you acknowledge and accept these risks. While we provide guidance in art advisory for financial, legal, or tax matters, please consult a registered financial advisor or other appropriate professionals.

Important Disclosures

Catalin Lutu is an independent art advisor specializing in strategically acquiring art collections. His expertise is confined to art advisory services, and he does not offer financial advice, including stock market strategies or other financial planning services. Catalin Lutu Is Not Affiliated With Any FINRA-Registered Firm Or  Registered Investment Advisor. The Information Provided Here Is Not Intended And Should Not Be Considered As A Solicitation For Investmet Advice Or An Offer To Buy Or Sell Securities.

For Matters Beyond Art Advisory Services, clients should seek comprehensive advice from registered financial advisors, tax professionals, or legal experts to ensure all aspects of financial planning, investments, taxes, and legal issues are well-covered.

Disclosure Regarding Past Registrations:

The following disclosure regarding Catalin Lutu’s past registrations is provided solely as a statement of fact and is not intended to mitigate or diminish the importance of the preceding disclosures. This information regarding Catalin Lutu's professional history is shared for transparency and completeness. Please refer to the previous disclosures for the most current and relevant information.

Catalin Lutu previously held the following securities-related registrations:

• Series 63 - Uniform      Securities Agent State Law Examination: Passed on March 16, 2001.
• Series 7 - General      Securities Representative Examination: Passed on March 2, 2001.
• Series 24 - General      Securities Principal Examination: Passed on February 5, 2004.
• SIE - Securities      Industry Essentials Examination: Passed on May 8, 2017.

While Catalin Lutu held these registrations for nearly two decades, he is no longer a registered securities representative or principal. His current activities do not involve offering securities advice or services. We strongly recommend consulting with a currently registered and qualified financial professional for tailored financial or investment advice. Your financial decisions are critical, and we encourage you to seek the best possible advice.