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Effective Date / Last Modified: January 22, 2026 

Ownership and Copyright 

All information available through this website is the property of Fern Prosperity LLC (the “Company”) and/or its information providers and is protected by United States and international copyright and intellectual property laws. All rights reserved. 

Permitted Use / Restrictions 

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall any information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of the Company or its licensors. You are entitled to use the information contained on this website for your private, non-commercial use only. 

Website Purpose and Binding Agreement 

Fern Prosperity LLC operates this website (the “Website”) to provide information, related features, and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between you and the Company regarding the terms on which the Company offers you access to the Service. 

Please review these Terms of Use carefully. By accessing and using this Website, you agree to be bound by these Terms of Use and all applicable laws and regulations governing the Website. If you do not agree with any of these Terms of Use, you are not authorized to access or use this Website for any purpose. 

Content Not Intended for Distribution Where Prohibited 

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained on this Website, constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options, or other financial instruments or provide any investment advisory, tax, or legal advice. 

Changes to These Terms 

The Company reserves the right to modify these Terms of Use at any time without prior notice. Your use of the Website following any such modification constitutes your agreement to follow

and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use the Website. 

Notices of Restrictions on Your Use 

The Service, the Website, and all data, information, and content that you see, hear, or otherwise experience on the Website (the “Content”) belongs to the Company, its affiliates, contributors, licensors, or third parties and may be protected by U.S. and international copyright, trademark, intellectual property, and other laws. Content provided by third parties is used on the Website with the permission of such third parties. 

You may download, print, and store selected portions of the Content, provided that you: 1. do not copy or post the Content on any network computer or transmit, distribute, publish, or broadcast the Content in any media, including without limitation a website; and 2. do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. 

No right, title, or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company retains full title and all intellectual property rights in the Content. 

No Endorsement of Links 

Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of any third party, third-party website, or information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and does not endorse or warrant, and is not responsible or liable for, any such website or its content. Any links are provided for convenience only. 

Disclaimer of Warranties 

By agreeing to grant you access, the Company does not obligate itself to do so or to maintain this Website or to maintain it in its present form, and expressly reserves the right to modify, suspend, or terminate your access privileges. 

The information on this Website is provided “as is” and “as available.” You expressly agree to assume total responsibility and risk for your use of the Website and the Service. The Company makes no express or implied warranties, representations, or endorsements whatsoever with respect to the Website or the Service and expressly disclaims all warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. 

The Company does not warrant that:

  • the functions performed by the Website or the Service will be uninterrupted, timely, secure, or error-free; 
  • defects will be corrected; or 
  • the Website, the Service, or any content is free of viruses or other harmful components. 

It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information or content provided by the Website or the Service. 

Limitation of Liability 

If you are dissatisfied with the Website or any content on the Website, or with these Terms of Use, your sole and exclusive remedy is to discontinue using the Website. 

To the fullest extent permitted by law, under no circumstances will the Company be liable for any damages whatsoever, including without limitation direct, incidental, consequential, exemplary, special, or indirect damages (including damages for loss of business profits, business interruption, loss of data, programs, or information, and the like) arising out of the use of, or inability to use, the Website, the Service, or any information or content provided therein (including third-party information), even if the Company has been advised of the possibility of such damages. 

Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such jurisdictions, the Company’s liability is limited to the greatest extent permitted by law. 

User Conduct 

You agree not to take any action that: 

  • interferes with the proper working of the Website; 
  • imposes an unreasonable or disproportionately large load on the Website’s infrastructure; 
  • might compromise the security of the Website; 
  • renders the Website or the Service inaccessible to others; or 
  • otherwise causes damage to the Website or any Content. 

You also agree not to add to, subtract from, or otherwise modify the Content on the Website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company. 

General Provisions 

Entire Agreement. These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede all previous written or oral agreements.

No Waiver. No waiver by the Company of any breach or default shall be deemed a waiver of any preceding or subsequent breach or default. 

Severability. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision, and all other provisions will remain in full force and effect. 

Governing Law; Venue. These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-laws principles. You agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use, the Website, the Service, the Company’s Privacy Policy, or your use of the Website shall be brought exclusively in the state or federal courts located in Seminole County, Florida, and you consent to the personal jurisdiction and venue of such courts.

Contact Us

If you have questions or opt-out requests, please contact:

Fern Prosperity LLC
Attn: Compliance Department
941 W Morse Blvd Suite 100, Winter Park, FL
Email: info@fernprosperity.com
Phone Number: +1 407 900 59 05

© 2025 All Rights Reserved to Fern Prosperity. Designed by Carla Gibbin.

Disclosure: Fern Prosperity LLC is an independent financial services firm helping individuals and families create customized retirement and wealth-building strategies using a variety of investment and insurance products tailored to their needs and objectives. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM, Fern Prosperity LLC, and Pri Cosentino, LLC are independent of each other. For more information, click here.

Publishing & Press: Any references to being “featured on” or appearing on FOX relate solely to an interview aired on FOX47, a local television affiliate, and not to any appearance on the national FOX News network or any other nationwide broadcast. The interview was conducted for informational purposes only. No compensation was provided or received in connection with this media appearance. The interview should not be construed as an endorsement or recommendation.