Disclosures
Key information about how Vantar is regulated, what we charge and the risks of investing. Read it alongside the agreements for your account.
Last updated [Month DD, 2026] · Draft: items in [brackets] are placeholders for Compliance to confirm.
About Vantar
Vantar is a brand of [Gen Financial Inc.]. Advisory services are provided by Vantar Inc., an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Brokerage services for self-directed accounts are provided by Alpaca Securities LLC, member FINRA
- Form CRS (Client Relationship Summary): [link]
- Form ADV Part 2A brochure: [link]
- FINRA BrokerCheck and SEC Investment Adviser Public Disclosure: [links]
- Alpaca Securities LLC disclosures: alpaca.markets/disclosures
Fees and pricing
This schedule lists every fee we charge. Regulatory and third-party fees are passed through at cost. Fees are shown before you confirm a trade or transfer.
Trading
Managed products
Funding and withdrawals
Currency conversion: deposits in currencies other than USD are converted at [the prevailing rate plus a spread of up to X%]. The rate and any spread are shown before you confirm.
Account services
Fees may change. We will give you at least [30] days’ notice before any increase takes effect.
Cash management
Uninvested cash in [Vantar Cash] is swept to one or more program banks, where it is eligible for FDIC insurance up to a total maximum of $1,000,000 (FDIC insurance coverage is limited to $250,000 at each program bank).* FDIC insurance covers the failure of a program bank, not market losses. The APY is variable, accurate as of [date] and may change at any time.
- Program banks: [list or link]
- Maximum coverage: $1,000,000 in total, limited to $250,000 at each program bank*
- Interest calculation and payment: [daily accrual, paid monthly]
SIPC protection
Securities in your brokerage account are protected by SIPC up to $500,000, including $250,000 for cash claims. SIPC does not protect against market losses. [Excess SIPC coverage, if any.] Learn more at sipc.org.
Investment risks
All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
- Stocks and ETFs: prices can fall as well as rise, and ETFs may not track their index exactly.
- Fractional shares: subject to availability, and fractional positions may not transfer to other brokers.
- Extended-hours trading: lower liquidity, wider spreads and greater volatility.
- Options [when available]: complex and not suitable for all investors. Read the Characteristics and Risks of Standardized Options first.
- Foreign currency: converting between currencies exposes you to exchange-rate movements.
- USDC and digital assets: not legal tender, not FDIC or SIPC insured, and subject to issuer, network and regulatory risk.
Order routing and execution
Orders are routed with the aim of best execution, considering price, speed, likelihood of execution and other factors. [State whether payment for order flow is received, and from whom.] Quarterly SEC Rule 606 order-routing reports are available at [link].
Advisory services
Auto-Invest and Vantar Wealth are advisory services of Vantar Inc. Portfolios are based on the information you provide, so keep it up to date. Rebalancing and other features are subject to [conditions]. The Form ADV Part 2A describes our services, fees and conflicts of interest.
Cross-border availability
Products are offered only where we are permitted to offer them. Availability, funding methods and fees may vary by country of residence.
Illustrations and market data
Product screens on this site are for illustration only; prices, balances and data are not real. Hypothetical examples do not reflect actual results. Market data is provided by [provider] and may be delayed.
Complaints and contact
Send questions or complaints to [compliance@vantar.co] or [mailing address]. We aim to respond within [X] business days. You may also contact FINRA or the SEC.
Disclosures
Key information about how Vantar is regulated, what we charge and the risks of investing. Read it alongside the agreements for your account.
Last updated [Month DD, 2026] · Draft: items in [brackets] are placeholders for Compliance to confirm.
About Vantar
Vantar is a brand of [Gen Financial Inc.]. Advisory services are provided by Vantar Inc., an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Brokerage services for self-directed accounts are provided by Alpaca Securities LLC, member FINRA
- Form CRS (Client Relationship Summary): [link]
- Form ADV Part 2A brochure: [link]
- FINRA BrokerCheck and SEC Investment Adviser Public Disclosure: [links]
- Alpaca Securities LLC disclosures: alpaca.markets/disclosures
Fees and pricing
This schedule lists every fee we charge. Regulatory and third-party fees are passed through at cost. Fees are shown before you confirm a trade or transfer.
Trading
Commission, US stocks and ETFs
Options contracts
SEC Section 31 fee (sells)
FINRA Trading Activity Fee (sells)
Platform or seat license
Managed products
Auto-Invest
Vantar Wealth
Funding and withdrawals
ACH (USD)
Domestic wire (USD)
International wire
GBP, EUR and other major currencies
NGN and local currencies
USDC
Currency conversion: deposits in currencies other than USD are converted at [the prevailing rate plus a spread of up to X%]. The rate and any spread are shown before you confirm.
Account services
Outgoing account transfer (ACATS)
Paper statements and confirmations
Returned deposit or reversal
Account closure
Fees may change. We will give you at least [30] days’ notice before any increase takes effect.
Cash management
Uninvested cash in [Vantar Cash] is swept to one or more program banks, where it is eligible for FDIC insurance up to a total maximum of $1,000,000 (FDIC insurance coverage is limited to $250,000 at each program bank).* FDIC insurance covers the failure of a program bank, not market losses. The APY is variable, accurate as of [date] and may change at any time.
- Program banks: [list or link]
- Maximum coverage: $1,000,000 in total, limited to $250,000 at each program bank*
- Interest calculation and payment: [daily accrual, paid monthly]
SIPC protection
Securities in your brokerage account are protected by SIPC up to $500,000, including $250,000 for cash claims. SIPC does not protect against market losses. [Excess SIPC coverage, if any.] Learn more at sipc.org.
Investment risks
All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
- Stocks and ETFs: prices can fall as well as rise, and ETFs may not track their index exactly.
- Fractional shares: subject to availability, and fractional positions may not transfer to other brokers.
- Extended-hours trading: lower liquidity, wider spreads and greater volatility.
- Options [when available]: complex and not suitable for all investors. Read the Characteristics and Risks of Standardized Options first.
- Foreign currency: converting between currencies exposes you to exchange-rate movements.
- USDC and digital assets: not legal tender, not FDIC or SIPC insured, and subject to issuer, network and regulatory risk.
Order routing and execution
Orders are routed with the aim of best execution, considering price, speed, likelihood of execution and other factors. [State whether payment for order flow is received, and from whom.] Quarterly SEC Rule 606 order-routing reports are available at [link].
Advisory services
Auto-Invest and Vantar Wealth are advisory services of Vantar Inc. Portfolios are based on the information you provide, so keep it up to date. Rebalancing and other features are subject to [conditions]. The Form ADV Part 2A describes our services, fees and conflicts of interest.
Cross-border availability
Products are offered only where we are permitted to offer them. Availability, funding methods and fees may vary by country of residence.
United States
Nigeria
United Kingdom
Canada
Illustrations and market data
Product screens on this site are for illustration only; prices, balances and data are not real. Hypothetical examples do not reflect actual results. Market data is provided by [provider] and may be delayed.
Complaints and contact
Send questions or complaints to [compliance@vantar.co] or [mailing address]. We aim to respond within [X] business days. You may also contact FINRA or the SEC.