Last Updated: October 1, 2025

Welcome to the website of Skela Financial, LLC (“Skela Financial,” “we,” “us” or “our”).  By accessing or using Skela Financial’s website (the “Site”), the user (the “user,” “you,” or “your”)  agrees to be bound by these terms of use (the “Terms of Use”) and to abide by all applicable laws and regulations.  If you do not agree to these terms, please do not use this Site.

1. Informational Purposes Only

The information provided on this Site is for informational purposes only and should not be considered investment, tax, or legal advice.  Nothing on the Site constitutes investment, tax, or legal advice, or solicitation, recommendation, or offer to buy or sell any security or financial instrument.

Any investment decisions should be made based on an individual’s specific financial situation and objectives, in consultation with a qualified financial professional.

 2. Registration and Advisor Status

Skela Financial is a broker-dealer and investment adviser registered with the Securities Exchange Commission (“SEC”), the State of Florida (Office of Financial Regulation, Division of Securities), and the State of Tennessee (Department of Commerce & Insurance, Securities Division).  Registration as a broker-dealer and investment adviser is not an endorsement of the firm by the SEC or state regulators and does not mean that the advisor has attained a specific level of skill or ability.  For more information, please read Skela Financial’s Disclosures.

Skela Financial is based in Tennessee and offers a full range of brokerage and financial advisory services to clients nationally.  Skela Financial only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.  Skela Financial will file and maintain all applicable registrations as required by federal, state, and local laws.  Skela Financial offers advisory services only to persons in particular states only after complying with applicable regulatory requirements, or pursuant to applicable exception or exclusion.

3. No Guarantee or Warranty

While Skela Financial makes every effort to ensure that the information on the Site is accurate and current, Skela Financial makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of information on this Site or any information about investments, products, or services.

Your use of the Site is at your own risk.  Skela Financial shall not be liable for any damages resulting from the use of or inability to use this Site.

4. Links to Third-Party Websites

This Site may contain links to third-party websites for convenience only. Skela Financial does not endorse or control these websites, and Skela Financial is not responsible for such websites’ content, security, or privacy practices.

5. Intellectual Property

All content on the Site, including text, graphics, logos, and other materials, is the property of Skela Financial or its content providers, and is protected by applicable copyright, trademark, and other intellectual property rights and laws.

You may not reproduce, modify, or distribute any part of the Site or the content thereon without prior written consent of Skela Financial.  Nothing herein shall be construed as creating or granting a license between Skela Financial and you that permits you to use any of Skela Financial’s intellectual property.

If you believe that your work has been copied or used on this Site in a way that constitutes copyright infringement, please contact Skela Financial’s copyright agent, as provided herein below, and provide all of the written information specific below:

i.  An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

ii. A description of the copyrighted work that you claim has been infringed upon;

iii. A description of where the material that you claim is infringing is located on the Site, including the current Site address;

iv. Your address, telephone number, and email address;

v.  A statement by you that you have a good faith belief that the disputed use is unauthorized by the copyright owner, its agent, and/or the law; and

vi. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or person authorized to act on the copyright owner's behalf.

Skela Financial’s copyright agent for notice of claims of copyright infringement on this Site is William L. Abrams, Abrams Garfinkel Margolis Bergson, LLP, babrams@agmblaw.com. 

6. Privacy

Your use of the Site is subject to Skela Financial’s Privacy Policy, which describes how Skela Financial collects, uses, retains, and safeguards personal information and data.  See Skela Financial’s Privacy Policy for further details.

7. Indemnity

You agree to indemnify, defend, and hold Skela Financial, its affiliates, agents, content providers, contractors, directors, employees, licensors, officers, owners, parent entities, personnel, service providers, and subsidiaries (the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of content other than as expressly authorized by these Terms of Use.  You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith.  You will also indemnify, defend, and hold harmless the Indemnified Parties from and against any claims brought by third parties arising out of your use of the Site and any information accessed from the Site.

8. Modifications

Skela Financial reserves the right to update or modify these Terms of Use at any time without prior notice.  Your continued use of this Site after any such changes constitutes your acceptance of the updated terms.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its principles of  conflict of laws.

10. Contact Information

If you have any questions about these Terms of Use, or any information on this Site, please contact Skela Financial at 3401 Mallory Lane, Suite 100, Franklin, Tennessee 37067.  Our telephone number is (615) 550-5726 or contact us here.