Market Commentary

'Market Commentaries' is the long-running series of articles authored by Daniel Wildermuth, President and CEO, Kalos Financial. Mr. Wildermuth shares his in-depth knowledge of the market as it relates to national and international events, and their effects on the investment world. Sign up to receive the monthly updates below.
Market Commentary Form
Terms of Use2019-03-12T13:44:25-04:00

Terms of Use

By accessing this website (“Kalos Website”) you agree to be legally bound by these terms of use / disclaimer (“Terms of Use”). Please also consult the applicable additional legal information for your relevant country.

If you do not agree to these Terms of Use, do not proceed to further web pages of the Kalos Website.

Information on this site may be provided by a firm or a combination of firms referred to as “Kalos” which may refer to Kalos Financial, Inc (an unregistered designation used to represent the Kalos family of companies) Kalos Capital, Inc. (a member of FINRA/SIPC/MSRB licensed to offer securities), or Kalos Management, Inc., (an SEC Registered Investment Adviser).

These Terms of Use as well as the information and materials contained in the Kalos Website are subject to change from time to time without notice.

Access Subject To Local Restrictions

The Kalos Website and all information and functionality contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorizations by the relevant branch, subsidiary or affiliate office of Kalos and such licenses or authorizations have not been obtained.

Services And Products

Products and services displayed on the Kalos Website may not be eligible for sale or available to residents of certain countries or certain categories of investors. Please consult the applicable terms and conditions such as sales restrictions or key specific notes for further information.

Any materials available on the Kalos Website have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any report available on the Kalos Website is published for information purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by recipients as a substitute for the exercise of their own judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of Kalos as a result of using different assumptions and criteria. Kalos is not under any obligation to update or keep current the information contained herein.

No Offer

The information contained in the Kalos Website is just for informational purposes. No information published on the Kalos Website constitutes a solicitation, an offer, or a recommendation to buy or sell any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever.

Kalos does not intend to provide investment, legal or tax advice through the Kalos Website and does not represent that any securities or services discussed are suitable for any investor.

When making a decision about your investments, you should seek the advice of a professional financial advisor.

Forward Looking Statements

The Kalos Website may contain statements that constitute “forward looking statements”. While these forward looking statements may represent Kalos judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Kalos expectations. Kalos is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward looking statements whether as a result of new information, future events, or otherwise.

No Warranty

The information and materials contained on the Kalos Website are provided “as is” and “as available”. Kalos makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the Kalos Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, Kalos does not warrant the accuracy, timeliness, completeness, reliability or availability of the Kalos Website or the information or results obtained from use of the Kalos Website, or that the Kalos Website is virus-free or error-free.

No Liability

To the fullest extent permitted by law, in no event shall Kalos or any of its directors, employees or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of these web pages, even if Kalos has been advised of the possibility of the same.


The Kalos Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. Kalos has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. Kalos shall have no liability for third party content or websites or websites linking to or framing the Kalos Website.

Intellectual Property Rights

Kalos, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the Kalos Website. Individual pages and/or sections of the Kalos Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the Kalos Website without the prior written permission of Kalos. Systematic retrieval of content from the Kalos Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the Kalos Website without written permission from Kalos is prohibited.

Electronic Communication (E-Mail)

The Internet is an universally accessible medium. Ordinary E-mail messages sent over the Internet are neither confidential nor secure. They may be viewed by third parties, lost, intercepted or altered. E-mails may circulate across national borders, even if both sender and recipient are located in the same country.

You are therefore recommended to communicate with Kalos by using a secure channel if such channel is provided by Kalos. In no event should you use ordinary E-mail to transmit personal or confidential information such as any account related data.

Unless explicitly stated otherwise, Kalos does not accept any orders or instructions sent by E-mail or any other electronic messaging system.

Kalos shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to Kalos using ordinary E-mail or any other electronic messaging system.

Severability Clause

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of this disclaimer but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.

Kalos Financial is an unregistered designation used to represent the Kalos family of companies. Securities offered through Kalos Capital, Inc., member FINRA/SIPC/MSRB. Investment advisory services offered through Kalos Management, Inc., an SEC registered investment adviser. Insurance products offered through Kalos Financial, Inc., a licensed insurance agency. All companies are licensed in various states. Please contact a Kalos representative for states in which company is licensed to do business.