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Here at Verum Standard , when it comes to matters of money, we believe in transparency and accountability. Day in and day out, we dedicate ourselves to delivering responsible investing ideas and sound financial education. That's why, when it comes to talking about stocks, we think it's important that you know exactly where we're coming from. With this in mind, we have developed a company-wide disclosure policy to guide our business and communications. We call it Verum Standard Disclosure. We invite you to take some time to read through it, and hope it helps inform your experience here in Verum Standard.

Investors Communicating With Investors

Verum Standard is a company that represents investors teaching and learning from other investors. Many financial publications do not permit their writers and editors to own stocks. Verum Standard not only permits, but also encourages its staff to invest in common stock. Why? Two reasons.

First, we strongly believe the most effective way to create wealth is through the long-term ownership of stocks. The stock market has compounded 10% average annual returns over the last century. We believe in using the stock market as a savings bank, and we strongly encourage treating money management as a lifelong endeavor. Therefore, we think it'd be downright mean of us to close that avenue of investment to our employees.

Second, and more important, we don't consider our employees to be journalists, but rather communicators and teachers of financial matters. It's a subtle but critical difference that affects our entire service -- from our online site at VerumStandard to our investment books, to our nationally syndicated newspaper column, to our newsletters and portfolio services. As a company, we utilize every available medium to teach people of all ages, all income levels, all backgrounds, and all genetic codes about money and its applications in modern life. Therefore, we believe our staff's involvement in managing their own money is critical to their learning more about the subject and their succeeding in their own lives. And who better to write about investing than those who do it themselves?

Verum Standard writes about stocks in both free and paid content. We make stock recommendations in our various premium newsletter services and actually hold some of these shares in our portfolio services. We will disclose our recommendation or ownership until we cease to recommend the stock, or we sell our entire position. Of course, in both free and paid content we will continue to disclose whether the author has an interest in the stocks mentioned.

Internally, the Verum Standard has always strived to operate with the highest levels of integrity and transparency. As such, here are the key components of Verum Standard disclosure policy:


  • When a writer writes about a stock that he or she has a position or beneficial interest in, that fact is disclosed at the end of the article.

  • If Verum Standard recommends or holds a position in a stock, that fact is also disclosed at the end of the article.

  • All Verum Standard employees and contractors -- that's anyone with a TMF prefix on their screen names -- are required to disclose their current positions, including stocks, mutual funds, and cryptocurrencies. We aggregate and display these positions for the entire company . (We do not disclose the individual stocks that might be in a Verum Standard mutual funds.)

  • Affiliates of The Verum Standard provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no knowledge of any affiliates' holdings and/or specific recommendations, and the affiliates' personnel have no knowledge of any editorial content before it is published. Our affiliate companies may also have their own disclosure policies, which they may make available on their respective sites.

Trading Restrictions

In addition to the above disclosure requirements, Verum Standard employees work under additional trading restrictions and guidelines. These restrictions require that they:

  • Must hold any stock they own for at least 10 days. (No day trading allowed -- as if we'd want to!)

  • Cannot write about a stock in the period of 2 market days before to 2 market days after purchasing or selling the stock.

  • Must clear trades with our compliance department prior to any transaction.

  • Must notify our compliance department every time they buy or sell a stock, regardless of whether they have written about it.

Investors in Verum Standard

Verum Standard is grateful to the people that have invested in us. Verum Standard founders and some family members have invested in the company, and full-time employees receive stock options and/or stock in the company.

Business and Technology Partners

We have business relationships with an ever-changing assortment of companies, including technology vendors, leasing companies, data providers, banks, distribution channels, advertisers, landlords, accountants, and the restaurants up the street from Verum Standard HQ. Many of these companies are public companies operating in industries that we follow. There may be instances in which one of our newsletters recommends a company with whom we have a business relationship, or we may write an article about such a company on Verum Standard . These occurrences are unintentional and coincidental, as the business end of Verum Standard has no input or influence on the editorial side of things.

It would take too much space to list all the companies that we do business with, and we'd probably forget some anyway, but below are some of our major partners. (This list is most subject to change. We'll update it periodically, but we will not be able to keep pace with the rate of change.)

Investing Advertisers

As a general rule, if you see ads from a company on our site and emails, that company is paying us for such placement. Some of the major ones include E*Trade, Fidelity, Scottrade, OptionsHouse, and ShareBuilder. Additionally, companies pay us for inclusion in specific areas of our site (e.g., Registration Page, Broker Center).

The Ascent

A portion of our site, branded as The Ascent, writes reviews of personal finance products, including credit cards, mortgage offers, and brokerage accounts. We may receive compensation for offers that appear on The Ascent, including compensation related to placement.

We may issue recommendations for preferred partners that we believe in and/or use ourselves. But keep in mind, this site may not include all available offers from our partners. For example, there are thousands of credit cards available. We'll highlight a fraction of them. All picks are made at the editorial discretion of The Ascent editorial team.

For a list of major advertisers on The Ascent,

Distribution Partners

Some of our major distribution partners include Yahoo! Finance, MSN Money, USA Today, AOL, Nasdaq, and CNN Money.

News, Quotes, Data, and Content Providers

Our major providers include Xignite SIX Financial.


In Conclusion

We have designed our disclosure and trading guidelines to serve our community, our customers, and our employees fairly. As always, though, you should remember to consider every piece of investment information you receive, here at the Verum Standard or elsewhere, not as a de facto recommendation, but as an idea for further consideration. Even the strongest disclosure policy in the world does not excuse individuals from taking responsibility for their own decisions. Due diligence, critical thought, and use of the most extraordinary device in the world (the human brain) are crucial to your financial success.

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