Disclosures

Important Disclosures

ERn Financial, LLC dba Canopy Wealth Management (“Canopy”) is a registered investment advisor ("RIA") with the U.S. Securities and Exchange Commission (“SEC”). Canopy provides investment advisory and related services for clients nationally. Canopy will maintain all applicable notice filings, registrations and licenses as required by the SEC and the various states in which Canopy conducts business, as applicable. Canopy renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Terms of Use

Please read these terms and conditions of use (“Terms”) carefully before using the website located at https://canopy-wealth.com (“Website”) or any of the information or services provided by ERn Financial, LLC  (collectively “Canopy”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Canopy in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

Canopy reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

These Terms were last updated on June 30, 2020.

Risk Disclosures

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.

Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about Canopy and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. Canopy does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise Canopy, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.

Canopy will provide all prospective clients with a copy of our current Form CRS, Form ADV Part 2A ("Disclosure Brochure"), Part 2B (“Brochure Supplement”) for each Advisory Person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us to request a free copy via .pdf or hardcopy.

Social Media Disclosure

Canopy Wealth Management is a registered investment adviser. Canopy's social media pages are solely for informational purposes and do not offer advisory services or sales of securities. Investing involves risk and possible loss of principal capital. Comments by viewers and/or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, certain editing of personal identifiable information and mis information may be deleted. Content may be dated. Links to third party sites, or information is from a reasonably reliable source.

Canopy Wealth Management (Canopy) is not affiliated with Instagram or the Instagram service. Canopy does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by followers or any third parties on our Instagram channel. Canopy does not control, serve, adopt or endorse any advertising, messages or content that Instagram may publish on its site or on Canopy’s Instagram channel. Canopy does not adopt or endorse any products, services, advertisements, recommendations or statements, or any other content that may appear on Instagram or on other Instagram-affiliated sites. No part of our Instagram channel is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment, tax or any other advice.

Third Party Ratings & Awards

The Forbes Best-In-State Wealth Advisors recognition/award was given on April 8, 2025 based on data as of 6/30/2024. It was provided by SHOOK® Research, LLC. Canopy has reasonable belief that the survey used to determine the award was fair and balanced. Clients and prospects should be aware that Canopy did not provide compensation to the provider for the rating/award.  The Forbes Best-In-State Wealth Advisors award is no guarantee of future investment outcomes and does not ensure that a client or prospective client will experience a higher level of performance or results.

Canopy Wealth Management was named one of USA TODAY’s Best Financial Advisory Firms in 2025, released on April 22, 2025. The ranking, conducted by USA TODAY and Statista, was based on peer recommendations and growth in assets under management (AUM) over both short-term and long-term periods. Final scores weighed AUM development at 80% and peer recommendations at 20%. No compensation was provided by Canopy to be considered for this recognition. Inclusion in this list is not indicative of a firm’s future performance or a guarantee of future investment success.