Disclosures

The information contained on this website is provided by Concert Investment Advisory, LLC (“Concert”) for informational and educational purposes only. Nothing contained herein should be construed as personalized investment, tax, legal, or accounting advice, nor should any information be interpreted as an offer to sell or a solicitation of an offer to buy any security or investment product.

Advisory services are offered only through Concert Investment Advisory, LLC, an SEC Registered Investment Adviser, and only in jurisdictions where the firm is properly registered or exempt from registration. Registration with the SEC does not imply a certain level of skill or training.

Investing involves risk, including the possible loss of principal. All investment strategies involve risk, and there can be no guarantee that any investment objective or strategy will be successful. Past performance is not indicative of future results and should not be relied upon as a guarantee of future performance. Economic conditions, market events, and other factors may affect investment results, and there is no assurance that any portfolio will achieve its objectives or outperform any benchmark. Alternative investments may involve additional risks, including reduced liquidity, limited operating history, higher fees, and greater complexity than traditional investments. They are not suitable for every investor.

Any references to specific securities, asset classes, investment strategies, or market commentary are provided solely to illustrate Concert’s investment philosophy or analytical approach and should not be considered a recommendation to buy, sell, or hold any particular investment. Such examples are not representative of all investments made on behalf of clients.

Information presented on this website has been obtained from sources believed to be reliable; however, Concert Investment Advisory, LLC does not warrant or guarantee its accuracy, completeness, or timeliness. Any opinions expressed are current as of the date published and are subject to change without notice. Concert assumes no obligation to update any information contained on this website.

Concert Investment Advisory, LLC does not provide legal or tax advice. Clients and prospective clients should consult with their attorney, CPA, or other qualified professionals regarding their individual legal and tax circumstances.

This website may contain links to third-party websites. These links are provided solely as a convenience. Concert does not control, endorse, or guarantee the accuracy or completeness of information contained on third-party websites and accepts no responsibility for their content.

Additional information about Concert Investment Advisory, LLC, including our Form ADV Part 2A Disclosure Brochure, Form CRS, and Privacy Policy, is available through the links provided on this website.

Terms Of Use

Effective Date: 07/09/2026

Welcome to the website of Concert Investment Advisory, LLC (“Concert,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these terms, please discontinue use of this website.

Informational Purposes Only

The information provided on this website is for general informational and educational purposes only. Nothing contained on this website constitutes personalized investment, legal, tax, or accounting advice, nor should any content be construed as an offer to sell or a solicitation to buy any security or investment advisory service.

Viewing this website or communicating with Concert through this website does not establish an advisory relationship. An advisory relationship is established only after entering into a written advisory agreement with Concert Investment Advisory, LLC.

No Warranty

While Concert believes the information presented is obtained from reliable sources, we make no representations or warranties regarding its accuracy, completeness, or timeliness. Information is subject to change without notice.

Investment Risks

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. No investment strategy can guarantee profits or protect against losses.

Third-Party Websites

This website may contain links to third-party websites. These links are provided solely for convenience. Concert Investment Advisory, LLC does not endorse, control, or assume responsibility for any information, products, or services offered by third-party websites.

Intellectual Property

All content on this website, including text, graphics, logos, images, videos, and other materials, is the property of Concert Investment Advisory, LLC unless otherwise noted and may not be reproduced or distributed without prior written permission.

No Unlawful Use

Users agree not to use this website in any manner that could damage, disable, interfere with, or impair the website or interfere with any other user’s access.

Governing Law

These Terms of Use shall be governed by the laws of the Commonwealth of Puerto Rico and applicable federal law, without regard to conflict-of-law principles.

Changes to These Terms

Concert Investment Advisory, LLC reserves the right to modify these Terms of Use at any time. Continued use of this website constitutes acceptance of any revisions.

Contact

Questions regarding these Terms of Use may be directed to Concert Investment Advisory, LLC using the contact information provided on this website.

Tyler ELLEGARD, CFA®

Senior Portfolio Manager, Gradient Investments, LLC

Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.

keith gangl, CFA®

Senior Portfolio Manager, Gradient Investments, LLC

Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

michael binger, CFA®

President, Gradient Investments, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

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