Regulatory Information
ADV & Prospectuses
Regulatory Information
Regulatory Information Disclaimer
Symmetry Partners, LLC, is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered, or excluded or exempted from registration requirements. Past performance is not indicative of future results. Therefore, different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Symmetry Partners LLC), or any non-investment related content, made reference to directly or indirectly on this website will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained on this website serves as the receipt of, or as a substitute for, personalized investment advice from Symmetry Partners LLC or your advisor. Please remember to contact your advisor, 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. Symmetry Partners LLC is neither a law firm nor a certified public accounting firm and no portion of the website content should be construed as legal or accounting advice. Information throughout our site and materials, whether stock quotes, charts, articles, or any other statements regarding market or client performance or other financial information is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.
Social Media Disclosure
Symmetry Partners provides the communication on our social media platforms as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted. No one should assume that any discussion or information contained in this material serves as a receipt of, or as a substitute for, personalized investment advice, or prove to be successful. Symmetry does not approve or endorse any third party communications posted on any of our social media sites and will not be liable for any such posts. Symmetry may follow another user, share or provide hyperlinks to third-party content, and/or "like/favorite" third-party content. Doing so is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside of Symmetry. Finally, Symmetry reserves the right to remove comments received from third parties based on its established criteria.
Please note the Panoramic funds are distributed by SEI Investment Distribution Company (SIDCO), member FINRA (https://brokercheck.finra.org/firm/summary/10690). SIDCO is not affiliated with Symmetry Partners, LLC or any other third-party money manager mentioned in the material.
CONSIDER THE PANORAMIC FUNDS’ INVESTMENT OBJECTIVE, RISK, AND CHARGES AND EXPENSES. THIS AND OTHER INFORMATION CAN BE FOUND IN THE PANORAMIC FUNDS’ PROSPECTUS WHICH CAN BE OBTAINED BY CALLING 1-844-SYM-FUND (844-796-3863). PLEASE READ THE PROSPECTUS CAREFULLY BEFORE INVESTING.
There are risks involved in investigating, including loss of principal. Asset allocation may not protect against market risk. Investment in the Panoramic fund(s) is subject to the risks of the underlying funds. Please read important disclosures below for additional risks and information regarding Symmetry Partners, LLC and the Panoramic funds.
Risk Disclaimer
*Symmetry Partners’ investment approach seeks enhanced returns by overweighting assets that exhibit characteristics that tend to be in accordance with one or more “factors” identified in academic research as historically associated with higher returns. Please be advised that adding these factors may not ensure increased return over a market weighted investment and may lead to underperformance relative to the benchmark over the investors’ time horizon. The factors Symmetry seeks to capture may change over time at its discretion. Currently, the major factors in equity markets used by Symmetry and some associated academic research are: the market risk premium (Sharpe, William F. “Capital Asset Prices: A Theory of Market Equilibrium under Conditions of Risk.” The Journal of Finance, Vol. 19, No. 3 (Sept. 1964), 425-442.), value (Fama, Eugene and Ken French. “Common risk factors in the returns on stocks and bonds.” Journal of Financial Economics, 33, (1993), 3-56.), small (Banz, Rolf W. “The Relationship Between Return and Market Value of Common Stocks.” Journal of Financial Economics, 9 (1981), 3-18.), profitability (Novy-Marx, Robert. “The Other Side of Value: The Gross Profitability Premium.” Journal of Financial Economics, 108(1), (2013), 1-28. ), quality (Asness, Clifford S.; Andrea Frazzini; and Lasse H. Pedersen. “Quality Minus Junk.” Working Paper.), momentum (Jegadeesh,Narasimhan and Sheridan Titman. “Returns to Buying Winners and Selling Losers: Implications for Stock Market Efficiency.” The Journal of Finance, Vol. 48, No. 1, (March 1993), 65-91), and minimum volatility (Ang, Andrew, Robert J. Hodrick, Yuhang Xing and Xiaoyan Zhang. “The Cross-Section of Volatility and Expected Returns.” The Journal of Finance, Vol. 61, No. 1 (Feb. 2006), pp. 259-299.) On the bond side, Symmetry primarily seeks to capture maturity and credit risk premiums (Ilmanen, Antti. Expected Returns: An Investor’s Guide to Harvesting Market Rewards. WileyFinance, 2011, p157-158 and 183-185.). All data is from sources believed to be reliable but cannot be guaranteed or warranted.
Higher potential return generally involves greater risk, short term volatility is not uncommon when investing in various types of funds including but not limited to: sector, emerging markets, small and mid-cap funds. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards. Risks of foreign investing are generally intensified for investments in emerging markets. Risks for emerging markets include risks relating to the relatively smaller size and lesser liquidity of these markets, high inflation rates and adverse political developments. Risks for investing in international equity include foreign currency risk, as well as, fluctuation due to economic or political actions of foreign governments and/or less regulated or liquid markets. Risks for smaller companies include business risks, significant stock price fluctuation and illiquidity. Investing in real estate entails certain risks, including changes in: the economy, supply and demand, laws, tenant turnover, interest rates (including periods of high interest rates), availability of mortgage funds, operating expenses and cost of insurance. Some real estate investments offer limited liquidity options. Investing in higher-yielding, lower-rated bonds has a greater risk of price fluctuation and loss of principal income than U.S. government securities, such as U.S. Treasury bonds and bills. Treasuries and government securities are guaranteed by the government for repayment of principal and interest if held to maturity. Investors should carefully assess the risks associated with an investment in the fund.
Market Events Risk. Financial markets are subject to periods of high volatility, depressed valuations, decreased liquidity and heightened uncertainty, such as what was experienced during the financial crisis that occurred in and around 2008 and more recently in connection with the coronavirus disease 2019 (COVID-19) pandemic. Market conditions such as this are an inevitable part of investing in capital markets and may continue, recur, worsen or spread. Markets may be volatile and values of individual securities and other investments may decline significantly in response to adverse issuer, political, regulatory, market, economic, public health, or other developments that may cause broad changes in market value, public perceptions concerning these developments, and adverse investor sentiment or publicity. Changes in the financial condition of a single issuer may impact a market as a whole. Changes in value may be temporary or may last for extended periods. Geopolitical risks, including terrorism, tensions or open conflict between nations, or political or economic dysfunction within some nations that are major players on the world stage or major producers of oil, may lead to overall instability in world economies and markets generally and have led, and may in the future lead, to increased market volatility and may have adverse long-term effects. Similarly, environmental and public health risks, such as natural disasters or epidemics (such as COVID-19), or widespread fear that such events may occur, may impact markets adversely and cause market volatility in both the short- and long-term. Governments and central banks may take steps to support financial markets, including by keeping interest rates at historically low levels. This and other governmental intervention may not work as intended, particularly if the efforts are perceived by investors as being unlikely to achieve the desired results. Governments and central banks also may reduce market support activities. Such reduction, including interest rate increases, could negatively affect financial markets generally, increase market volatility and reduce the value and liquidity of securities in which the Fund invests. Governmental policy and legislative changes also may contribute to decreased liquidity and increased volatility in the financial markets.
ESG investing risk: The chance that the stocks screened by the index sponsor for ESG criteria generally will underperform the stock market as a whole or that the particular stocks selected for the Index will, in the aggregate, trail returns of other funds investment strategies screened for ESG criteria. The individual companies deemed eligible by the index provider may not reflect the beliefs and values of any particular investor and may not exhibit positive or favorable ESG characteristics. The components of the Index are likely to change over time.
DIFFERENT TYPES OF INVESTMENTS AND/OR INVESTMENT STRATEGIES INVOLVE VARYING LEVELS OF RISK, AND THERE CAN BE NO ASSURANCE THAT ANY SPECIFIC INVESTMENT OR INVESTMENT STRATEGY WILL BE EITHER SUITABLE OR PROFITABLE FOR YOUR PORTFOLIO. Allocation models are not intended to represent investment advice that is appropriate for all investors. Each investor must take into account his/her financial resources, investment goals, risk tolerance, investing time horizon, tax situation and other relevant factors to determine if such portfolio is suitable. Model composition is subject to change. You and your advisor should carefully consider your suitability depending on your financial situation.
Exchange-traded funds tend to distribute fewer capital gains than traditional open-end mutual funds due to the in-kind redemption process, which allows the ETF to swap out low cost-basis securities. Be advised that this process defers taxes, but does not eliminate them. Investors will owe capital gains taxes on gains made in their own ETF shares. ETFs do not sell individual shares directly to investors and only issue their shares in large blocks. Exchange traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. ETF shares are bought and sold at market price (not NAV) and are not individually redeemed from the fund.
Underlying Funds of certain model portfolios are independently managed and unaffiliated. Prospectuses for underlying funds are available from the respective issuers.
Investors should consider the investment objectives, risks, and charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. Prospectuses may be obtained from your advisor or from Dimensional Fund Advisors: www.dfaus.com, The Vanguard Group: www.Vanguard.com. AQR: www.funds.aqr.com, SPDR: www.spdrs.com, and iShares: www.ishares.com. For most recent month end performance information, please call Dimensional Fund Advisors at 310-395-8005, The Vanguard Group at 877-662-7447, AQR at 866-290-2688, SPDR at 866-787-2257, and iShares at 800-474-2737. Please read the prospectus carefully before investing or sending money.
SSN Privacy Policy
SSN Privacy Protection Policy
It is the policy of Symmetry Partners, LLC (the “Firm”) to protect the confidentiality of all social security numbers obtained by the Firm’s including but not limited to, those obtained from job applicants, clients, suppliers, vendors, consultants, and others, in the course of the Firm’s business. Further, it is the Firm’s policy to prohibit the unlawful disclosure of such social security numbers and to limit access to them. All Firm documents and records containing social security numbers will be kept in a secure environment. Access to such documents and records will be limited to Firm employees and agents with a need to know, who are under a written obligation to the Firm to keep the social security numbers in accordance with this Policy. Any documents, records or computer files that contain social security numbers will be destroyed, erased or rendered unreadable before disposing of them. All Firm executives, managers and employees are expected to comply with this policy and with any procedures adopted by the Firm from time to time to implement it.
Privacy Principles
Symmetry® Partners, LLC Privacy Notice
We want to assure all of our clients that the safeguarding of client’s personal information is an issue we take seriously at Symmetry Partners, LLC and affiliates (“Symmetry”). To affirm our continuing commitment to our proper use of client’s personal information, we have adopted the following privacy principles. It is these privacy principles that guide us in safeguarding our client’s personal information. Please read these privacy principles described below carefully before sharing any personal information with us. When you provide us with personally identifiable information, you acknowledge that the information will be subject to the terms of this Privacy Notice.
1. Recognition of a Client’s Expectation of Privacy: At Symmetry we believe the confidentiality and protection of client’s personal information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our clients’ trust. Thus, the safekeeping of client personal information is a priority for Symmetry.
2. Use, Collection, and Retention of Client Personal Information: Symmetry limits the use, collection, and retention of client personal information to what we believe is necessary or useful to conduct our business, provide quality service, and offer products, services, and other opportunities that may be of interest to our clients. Information collected may include, but is not limited to: name, address, telephone number, email address, tax identification number, date of birth, bank account, brokerage account, employment status, annual income and net worth. The client personal information is provided to us by clients who choose to engage us to perform services on their behalf.
3. Maintenance of Accurate Information: Symmetry recognizes that it must maintain accurate client records. Therefore, Symmetry has established procedures to maintain the accuracy of client personal information and to keep such information current and complete. These procedures may include asking clients to respond to requests to correct inaccurate information in a timely manner.
4. Limiting Employee Access to Personal Information: Symmetry has restrictions in place to limit employee access to client personal information. Employees are required to complete ongoing educational and training courses which focus on the importance of maintaining the confidentiality of client personal information and to comply with these privacy principles. Because of the importance of these issues, all Symmetry employees are responsible for maintaining the confidentiality of client personal information and employees who violate these privacy principles will be subject to disciplinary measures.
5. Protection of Client Personal Information via Established Security Procedures: Symmetry recognizes that a fundamental element of maintaining effective procedures regarding the safeguarding of client personal information is to provide reasonable protection against unauthorized access to client personal information. Therefore, Symmetry has adopted appropriate administrative, physical, and technological security standards and procedures to guard against any unauthorized access to client personal information. In addition, Symmetry has policies, procedures, and internal controls in place that are reasonably designed to comply with all laws and regulations of the Securities and Exchange Commission; 17 CFR Part 248 Red Flags Identity Theft Program and amended Regulation S-P for client’s protection. Our written policies and procedures include a robust incident response program designed to identify, contain, and remediate potential data incidents. When we determine that unauthorized access to or use of client information has occurred, or is reasonably likely to have occurred, we will provide timely notice to affected individuals as required by law. We maintain oversight of third-party service providers that access or hold client information to ensure they implement appropriate safeguards and meet their own incident reporting obligations. Additionally, we maintain clear, documented processes for the secure retention and disposal of client records.
6. Restrictions on the Disclosure of Client Personal Information:
a. When it comes to sharing client personal information with affiliated or unaffiliated parties, Symmetry places strict limits on who receives specific client personal information and such sharing is done in accordance with Section 8, 11 and this Section 6(a). We share the minimum amount of information necessary for that firm to offer its product or service. We may share client personal information with affiliated or unaffiliated third parties that assist us in providing our products and services to our clients; disclosures made in the course of processing authorized transactions and servicing accounts; in the normal course of our business; made at the direction or with consent of the client; to protect against actual or potential fraud; to persons who are assessing the firm’s compliance risk and with the firm’s attorneys, accountants, auditors and advisers; in connection with acquisition and sales; to assert legal rights or defense against legal claims; to comply with applicable laws or regulations; and to comply with a valid legal process such as a search warrant, subpoena or court order, and/or to investigate suspected fraud.
b. With the exception of those situations outlined in 6(a), 8 and 11, Symmetry does not share client personal information with unaffiliated third parties. If Symmetry receives a request for such client personal information that goes beyond the scope of the items listed in 6(a), then it is Symmetry’s policy to contact the client for permission. The client can decline and opt out at this time.
7. Maintaining Client Privacy in Business Relationships with Affiliated or Unaffiliated Third Parties: If we provide client personal information to an affiliated or unaffiliated third party with which we have a business relationship, we will provide to the third party only on the condition that the third party keep such information confidential, consistent with the conduct of our business relationship.
8. Consumer Report Information: The nature of our business seldom requires the firm to handle consumer report information. However, when applicable, Symmetry shall take reasonable measures, when disposing of consumer report information, to protect against unauthorized access or use of such information. Symmetry shall ensure that consumer report information shall only be provided to necessary service providers who can properly dispose of such information.
9. Non-Personally Identifiable Information: In addition to client personal information, we may collect non-personally identifiable information, such as what type of browser used or information about a computer or IP address. We may then link this non-personally identifiable information for any number of reasons, including, but not limited to, working with business partners and promoting and improving our business, products or services.
10. Information over the Internet: Client personal information may be accessed and transferred over the Internet and Symmetry does not operate or control the internet and that: (i) viruses, worms, trojan horses, or other undesirable data or software; or (ii) unauthorized users (e.g., hackers) may attempt to obtain access to and damage client personal information, or Site, computers, or networks.
11. Sale of Business: Information about our clients might be disclosed as part of any merger, acquisition, debt financing, sale of company assets, as well as in the event of insolvency, bankruptcy, or receivership in which client personal information could be transferred to third parties as one of the business assets of the company.
12. Disclosure of Privacy Notice to Clients: Symmetry recognizes and respects the privacy expectations of our clients. We want our clients to understand our commitment to privacy in our use of client information. As a result of our commitment, we have developed these privacy principles, which are made readily available to our clients. Clients who have questions about these privacy principles or have a question about the privacy of their client information should call Symmetry Compliance at 800-786-3309 or e-mail [email protected].
Rev. 12/2025
Reasons We Handle or Share Client Personal Information Reason / Principle | Does Symmetry do this? | Can you limit this? |
Recognition of a Client’s Expectation of Privacy | Yes | No |
Use, Collection, and Retention of Client Personal Information | Yes | No |
Maintenance of Accurate Information | Yes | No |
Limiting Employee Access to Personal Information | Yes | No |
Protection of Client Personal Information via Security Procedures | Yes | No |
Disclosure to Affiliated or Unaffiliated Third Parties for Business Purposes (e.g., servicing accounts, legal compliance, fraud prevention) | Yes | Yes (limited opt-out for nonessential sharing) |
Disclosure Beyond Business Purposes | No (unless client consents) | Yes |
Maintaining Privacy in Business Relationships | Yes | No |
Handling Consumer Report Information | Yes (when applicable) | No |
Collection of Non-Personally Identifiable Information | Yes | No |
Information Transfer Over the Internet | Yes | No |
Disclosure During Sale of Business or Corporate Transactions | Yes | No |
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