Central Valley Advisors, LLC, doing business as O'Brien Wealth Management, is registered as an investment adviser with the Securities and Exchange Commission (SEC), and only transacts business in states where it is properly notice filed, or is excluded or exempted from such requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Information on this website is directed toward U.S. residents only.

Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the strategies presented. Website content and articles were prepared by Raymond James, not O’Brien Wealth Management.

Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell any particular securities. Insurance products and annuity guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain period of time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes.

All investment and insurance strategies have the potential for profit or loss. Asset allocation, rebalancing, and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor's portfolio. Historical performance returns for investment indexes and/or categories, usually do not deduct transaction and/or custodial charges or an advisory fee, which would decrease historical performance results. There are no assurances that an investor’s portfolio will match or exceed any particular benchmark. Any reference to investment returns do not represent the performance of O’Brien Wealth Management or any of its advisory clients.

Alternative investments are speculative and involve a high degree of risk. Alternative investments are generally illiquid and may utilize highly speculative investment strategies. Options are extremely risky. Options trading may not achieve your investment objectives. Options trading is speculative and may result in a loss that exceeds your initial investment

Hyperlinks on this website are provided as a convenience, and we disclaim any responsibility for information, services or products found on websites linked hereto.

Images and photographs are included for the sole purpose of visually enhancing the website, and should not be construed as an endorsement or testimonial from any of the persons in the image or photograph.

O'Brien Wealth Management is not engaged in the practice of law or accounting. Always discuss specific legal or tax issues with your attorney or accountant. Tax rules and regulations are subject to change at time.

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