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Terms of Use

Kevin McKinley is the Principal/Owner of McKinley Money LLC, a state-licensed registered investment adviser located in Eau Claire, Wisconsin. The complete ADV of McKinley Money LLC contains important information and disclosures, and should be obtained and read in advance of using the financial planning and investment advisory services provided by McKinley Money LLC (see for more information). McKinley Money LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

The On Your Money LLC website, publications, presentations, and broadcasts are limited to the dissemination of information and links related to subjects such as economics, business, financial planning, and investments. Accordingly, the aforementioned media and publication of the On Your Money site on the Internet should not be construed by any consumer and/or prospective client as McKinley Money LLC’s efforts to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by McKinley Money LLC with a prospective client shall be conducted by a representative who is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of McKinley Money LLC, please contact the SEC or the state securities law administrators for those states in which McKinley Money LLC maintains a notice filing. A copy of McKinley Money LLC’s current written disclosure statement discussing business operations, services, and fees is available from McKinley Money LLC ( upon written request. Kevin McKinley, McKinley Money LLC, On Your Money LLC, and affiliated individuals and entities do not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to or from the On Your Money LLC site, the McKinley Money LLC site, or incorporated herein, and takes no responsibility thereto. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by McKinley Money LLC) or product made reference to directly or indirectly by McKinley Money LLC, On Your Money LLC, or indirectly via a link to an unaffiliated third party Web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of the On Your Money LLC website, publications, and broadcasts (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, McKinley Money LLC’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from McKinley Money LLC, or from any other investment professional. McKinley Money LLC and Kevin McKinley are not an attorney nor an accountant, and no portion of the Web site content or the previously-described media should be interpreted as legal, accounting or tax advice. Furthermore, the prospective client is solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for the prospective client based on the prospective client's investment objectives and personal and financial situation. The prospective client should consult with an investment professional, or an attorney or tax professional regarding their specific investment, legal or tax situation.

Opinions expressed on this site or in the articles accessible are subject to change without notice and, due to the rapidly changing nature of the security markets, may quickly become outdated.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to the On Your Money website, the user/client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from McKinley Money LLC, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to the On Your Money LLC website and McKinley Money LLC website, to release and hold harmless On Your Money LLC and McKinley Money LLC, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from McKinley Money LLC.

Kevin McKinley occasionally provides services to and on behalf of outside entities, corporations, and individuals, on either a paid or complimentary basis. These services may include writing, speaking, and consulting. Entities involved in the past and present arrangements include the following:

American Century
Van Kampen
John Hancock
Asset Builders
National Institute of Financial and Economic Literacy
Financial Planning Association
Registered Rep
American Skandia
Simon & Schuster
Wisconsin Public Radio
College Savings Foundation
Saving for College LLC