We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of October Effect, Ltd., and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by October Effect, Ltd., a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through Frank Tehel, Independent Agent, an affiliated company. October Effect, Ltd., and Frank Tehel, Independent Agent, are not affiliated with or endorsed by the Social Security Administration or any government agency and are not engaged in the practice of law.

The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons ion the photograph.

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