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Terms of Use


Thank you for visiting the website of Investment Answers Capital, LLC and its affiliates (together, “Investment Answers®”, “we”, “us” or “our”). By accessing and using this website, you accept and agree to be bound by these Terms of Use. You should read these Terms of Use carefully. If you do not accept and agree to be bound by these Terms of Use, do not access or use this website. Investment Answers® may update or modify this website, including these Terms of Use, at any time and your continued access or use of this website after any such update or modification will constitute your acceptance of and agreement to be bound by the updated or modified Terms of Use. Investment Answers® may, at its discretion, discontinue any of the content of this website, or any portion thereof, with or without notice.

Affiliated Businesses

R. Travis Terlau is the founder of Investment Answers Capital, LLC, Brookstone Financial, LLC d/b/a Investment Answers, and Vice President of Investment Answers Media. Mr. Terlau is registered as an Investment Adviser Representative of Investment Answers Capital, LLC and a licensed insurance agent of Brookstone Financial, LLC.

Investment Answers Capital, LLC is a state-registered Investment Adviser domiciled within the state of Kentucky and is appropriately registered, as required by law, in other jurisdictions in which it provides investment advisory services.

Registration of an investment adviser does not imply a certain level of skill or training. Further information about Investment Answers Capital, LLC is also available in Investment Answers Capital, LLC’s Form ADV Part 2 and is available at

Brookstone Financial, LLC d/b/a Investment Answers, is an affiliated entity with Investment Answers Capital, LLC in that it is owned and operated by R. Travis Terlau. Brookstone Financial, LLC d/b/a Investment Answers provides insurance services.

No Offer or Advice

This website, including information regarding Investment Answers® current and historical investment related content, is for general, informational purposes only. This website does not constitute an offer to sell or buy any securities, services or products and may not be relied upon in connection with any offer or sale of securities.

This website is not to be used or relied upon for any investment purpose whatsoever. Nothing on the website is to be deemed a recommendation that you buy, sell or hold any security or other investment or that you pursue any investment style or strategy. If you would like investment, accounting, tax or legal advice, you should consult with your own advisors with respect to your individual circumstances and needs. You are solely responsible for evaluating the risks and merits regarding use of the website and should obtain relevant and specific professional advice before making any investment decisions.

Performance Data

Past performance is not a guarantee of future results and there can be no assurance that any present or future investment will or is likely to achieve comparable results to those achieved in the past, or that significant losses will be avoided.

Team Members

R. Travis Terlau is an Investment Adviser Representative with Investment Advisors Capital, LLC and is a licensed insurance agent of Brookstone Financial, LLC d/b/a Investment Answers. The remainder of the team serves in a variety of non-insurance or non-investment related positions. Any references to “we” or “us” or “our” are not meant to imply that strategies or content offered on this website are provided by non-registered and/or non-licensed individuals.

Forward-Looking Statements

Certain information on this website may contain forward-looking statements. The words “believe”, “expect”, “anticipate”, “optimistic”, “help”, “intend”, “aim”, “will” or similar expressions are intended to identify such forward-looking statements. Forward-looking statements are inherently uncertain and changing factors, such as those affecting the markets generally or those affecting particular industries, may cause events or results to differ from those discussed on this website. We undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future developments or otherwise.

No Warranties

We have compiled this site in good faith and while we use reasonable efforts to include accurate and relevant information on this site, the site is provided on an “as is” basis with no warranties of any kind. We do not warrant that the information on the site is accurate, reliable, up-to-date, that this site will be available at any particular time or location, or that this site is free of viruses or other harmful components. Your use of this site and use or reliance upon any of the materials on it is solely at your own risk.

International Use

This site is operated and controlled by us in the United States. Due to the global nature of the Internet, this site may be accessed by users in countries other than the United States. We make no warranties that materials on this site are appropriate or available for use in such locations. If it is illegal or prohibited in your country of origin to access or use this site, then you should not do so. Those who choose to access this site outside the United States do so on their own initiative and are responsible for compliance with all local laws and regulations.

Ownership; Intellectual Property

All content on this website, such as documents, charts, graphics and other materials, is the property of Investment Answers® or others and is protected by copyright and other laws. The Investment Answers® trademarks (whether registered or unregistered), service marks, images, logos and copyrighted material used and displayed on this website, are the property of Investment Answers®. Other trademarks, service marks, images and logos may be owned by other parties, who may or may not be affiliated with Investment Answers®. Nothing on this website shall be interpreted as granting, by implication, estoppel or otherwise, any license or right to use any content on this website without the written permission of our Investment Answers® or such other third party that may own such content. All rights not expressly granted are reserved. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S, which it awards to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Restrictions on Use

This website may only be used for lawful purposes and in a lawful manner. Our prior permission is required for any commercial use of materials on this site. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of this website. You may not publish, broadcast, retransmit, reproduce, repackage, commercially exploit, create any derivative of or otherwise redistribute all or any portion of this website except as explicitly permitted by these terms of use. Any unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You agree to comply with all applicable laws, statutes and regulations in connection with accessing and using this site. The permission to use this site granted by this terms of use automatically terminates if you breach any of the terms and conditions contained herein.

Limitation of Liability

Investment Answers®, its affiliates and their respective officers, directors, managers, partners, members, shareholders, employees, affiliates and agents (as applicable) are not responsible for any damages or injury, including but not limited to special, indirect, incidental or consequential damages, that result from your use of (or inability to use) this website, including any damages or injury caused by any failure of performance, error, omission, interruption, defect, delay in operation, computer virus, line failure, or other computer malfunction. You understand and agree that your use of this website and all of the plug-ins contained within is predicated upon your waiver of any right to sue us or our affiliates or any of our or their respective officers, directors, managers, partners, members, shareholders, employees, affiliates and agents directly or to participate in a suit for any losses or damages resulting from your use of this site.

Linked Sites

This website may provide links to websites operated by other entities. In addition, third-party sites may be linked to this website, with or without Investment Answers® consent. Investment Answers® does not review or monitor any websites linked to this website from other third-party websites and is not responsible for the content of any such websites. Accordingly, Investment Answers® cannot be held responsible for the information, materials, products or services obtained on or from such other websites, nor will Investment Answers® be liable for any damages arising from access to such websites. Any links from or to other websites are provided merely for the convenience of users of this website and the inclusion of these links does not imply an endorsement, representation or warranty by Investment Answers® with respect to any such linked websites or the content, products or services contained or accessible through such websites or their operators. Any third-party posts or external hyperlinks on this site are not property of this firm and are subject to change without notice. We encourage you to review the privacy policies and user agreements of all other websites that you visit as such policies and agreements will govern your use of those websites.

Password and Security Notification

This website does not provide access to password protected areas of the site for any clients, former clients, or representatives of such, as relating to insurance or investment products. Certain areas of this website may provide links to third party custodian websites that are password protected. Investment Answers® and all of its representatives does not and will not have knowledge of login credentials for clients, former clients, or representatives of such, for any custodian websites. 

You are solely responsible for maintaining the confidentiality of your passwords, account information, user names, and/or security questions and answers for the website, and for logging off any protected areas of the website, as applicable when you finish a session. Accordingly, you should protect the confidentiality of your password, and notify website immediately if you become aware of its unauthorized use. If you share your password with a third party, you assume all responsibility for all such party’s activity related to the Site, as applicable.

Governing Law

These Terms of Use are governed by the laws of the State of Kentucky. Any dispute relating to these Terms of Use shall be brought solely in the state or federal courts located in Louisville, Kentucky, and you agree that such courts shall have jurisdiction over you in connection with any such dispute. You must commence any cause of action you may have with respect to your use of this website within one year after the claim or cause of action arises or such claim or cause of action will be deemed to have been waived. If any provision of these Terms of Use is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. The failure of Investment Answers® to enforce the strict performance of any provision of these Terms of Use shall not be a waiver by Investment Answers® of its right to subsequently enforce such provision or any other provision or provisions of these Terms of Use.