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Terms of Use

Effective Date: January 1, 2025

Please read these Terms of Use carefully before using the Ceremian Financial website. These terms govern your access to and use of our website and services.

Acceptance of Terms

By accessing and using the Ceremian Financial website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Use of This Website

This website is provided for informational purposes only. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others. You may not: • Use the site in any way that violates applicable laws or regulations • Transmit any unsolicited or unauthorized advertising or promotional material • Attempt to gain unauthorized access to any part of the website or its related systems • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the site

Not Financial Advice

The information provided on this website is for general informational purposes only and does not constitute investment, tax, legal, or financial advice. Nothing on this site should be construed as a solicitation or offer to buy or sell any security or financial product. All investment involves risk, including the possible loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial professional before making any investment or financial decisions.

Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Ceremian Financial or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written consent from Ceremian Financial.

Third-Party Links

This website may contain links to third-party websites for your convenience and information. Ceremian Financial does not endorse or take responsibility for the content or practices of any linked third-party sites. Your use of third-party sites is at your own risk.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. Ceremian Financial makes no representations or warranties regarding the accuracy, completeness, or timeliness of any content on this site.

Limitation of Liability

To the fullest extent permitted by law, Ceremian Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content.

Electronic Communications

Electronic communications sent to Ceremian Financial constitute consent for two-way electronic communication. Securities and mutual fund orders can only be placed by phone or in person. Orders sent electronically — including via email, mobile, or other online platforms — will not be processed.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in New York.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Any changes will be effective immediately upon posting to this page. Your continued use of the website following any changes constitutes your acceptance of the revised terms.

Contact Us

If you have any questions about these Terms of Use, please contact us at: Ceremian Financial 445 Central Ave, Suite 204 Cedarhurst, NY 11516 info@ceremianfinancial.com 718-644-1594

Ceremian Financial

Ceremian Financial

A fiduciary financial Firm by Moshe Alpert. Advice built on experience. Wealth built for generations.

Northwestern Mutual Wealth Management Company

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718-644-1594

445 Central Ave, Ste 204

Cedarhurst, NY 11516

info@ceremianfinancial.com

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Ceremian Financial by Moshe Alpert is a marketing name used for doing business as a representative of Northwestern Mutual Wealth Management. The information provided on this website is for general informational purposes only and should not be construed as investment, tax, or legal advice, or as a recommendation to buy, sell, or hold any security. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. Please consult with a qualified professional before making any financial decisions.

Securities and mutual fund orders can only be placed by phone or in person. Orders sent electronically—including via email, mobile, or other online platforms—will not be processed. Electronic communications sent to us constitute consent for two-way electronic communication. If you receive communications in error, please contact the sender immediately and delete all copies.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM) (offering life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries, including Northwestern Long Term Care Insurance Company (NLTC) (long-term care insurance), Northwestern Mutual Investment Services, LLC (NMIS) (investment brokerage services, registered investment adviser, broker-dealer, and member FINRA and SIPC), and Northwestern Mutual Wealth Management Company® (NMWMC) (investment advisory and trust services, a federal savings bank). NM and its subsidiaries are headquartered in Milwaukee, WI.

Moshe Nison L. Alpert uses Ceremian Financial as a marketing name for doing business as a representative of Northwestern Mutual. Ceremian Financial is not a registered investment adviser, broker-dealer, insurance agency, or federal savings bank. Moshe Nison L. Alpert is a District Agent of NM, an Agent of NLTC, a Registered Representative of NMIS (for investment brokerage services), and an Advisor of NMWMC (for investment advisory services). Managing Directors are not in legal partnership with each other, NM, or its subsidiaries.

The products and services referenced are offered and sold only by appropriately appointed and licensed entities, financial advisors, and representatives. Financial advisors, representatives, and their staff may not represent all entities listed or provide all products or services discussed. Availability of products and services varies by state. Not all Northwestern Mutual representatives are Advisors; only those with the title "Advisor" or who disclose their NMWMC status are credentialed to provide investment advisory services.

For information regarding Northwestern Mutual Wealth Management Company, its services, fees, and potential conflicts of interest, refer to the applicable disclosure brochures before investing. To obtain copies of these brochures, contact your representative.

Moshe Nison L. Alpert is primarily licensed in New York and may be licensed in other states.

License Information: CA License: 0M21420. Certified Financial Planner Board of Standards, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States. Individuals who meet initial and ongoing certification requirements are authorized to use these marks.

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