Risk Disclosure

The risk of loss in trading can be substantial.  You should, therefore, carefully consider whether such trading is suitable for you in light of your circumstances, investment time horizon, needs for liquidity and overall financial resources.

You should be aware of the following points:

1. Past performance of any security is not indicative of future results or future performance.

2. This is not a solicitation to buy or sell a security in any state.

3. The price or value of an investment will depend on fluctuations in the financial markets outside of anyone’s control.

4. Any investment is subject to risk.

5. Hypothetical and or back-tested results are illustrative if you would have bought the security at initial period in the calculation.

6. Diversification does not protect against loss in declining markets.

7. There are added risks in buying and selling “Penny”, microcap and smaller capitalization companies.  We do not recommend buying or selling stocks under $5.00 per share with this educational trading platform. Investing in smaller capitalization securities involves added risks.

8. Exchange traded funds (ETFs) are subject to risks similar to those of stocks, such as market risk, and investors who have their funds invested in ETF’s may experience losses. Additionally, fixed income (bond) ETFs are subject to interest rate risk, which is the risk that debt securities in a portfolio will decline in value because of increases in market interest rates.

9. The use of leverage by an ETF increases the risk to the fund. The more a fund invests in leveraged instruments, the more the leverage will magnify gains or losses on those investments. We do not recommend buying leveraged securities or options or other leveraged type instruments using this financial learning platform due to the inherent risks of leveraged investments.

10. Capital Risk is the risk the investor will not fully recover his/her entire investment. Options and other speculative investments have a high degree of this type of risk, while quality short-term investments such as Treasury bills enjoy minimal capital risk.

11. Selection Risk is the risk of choosing a security that will perform worse than other available securities.

12. Liquidity Risk is the risk that, should the quality or desire of a particular investment decrease, the holder will have a difficult time selling the instrument.  Thus we recommend larger capitalization securities when utilizing this financial investment learning platform.

13. Market Risk is the risk that the value of a security will decline due to overall market conditions, not by any fault of the issuing company.

14. Credit Risk is the risk that the issuer may become unable to pay interest and/or principal when due on fixed income securities. U.S. Government securities are the least likely to default on payments, while “junk” bonds have a high degree of credit risk.

15. Country Risk refers to added risk levels involved with foreign securities including currency controls, regulatory changes, country stability factors, political factors, wars, and other issues that may arise affecting companies in that country.

16. Inflationary Risk are the risks that inflation will reduce the purchasing power of a dollar over time. Equity securities tend to provide the best protection against this type of risk, while bonds are more susceptible due to their fixed income and possible long-term exposure to rises in inflation.

17. Interest Rate related to the risk that, as interest rates rise, a bond investor’s holdings will decline as more attractive offerings enter the market. The longer the maturity on the bond, the greater the risk. Some stocks are susceptible to this type of risk as well (companies that borrow for financing operations will see less profit should the cost of borrowing increase; this will decrease their stock price).

18. Timing Risk refers to the risk of buying or selling at an inopportune time, thus limiting profit or incurring a loss.  This financial learning platform should only act as a helpful guide in your investment research process.  It is your duty to fully research related companies, economic outlooks and financial markets prior to buy or selling any potential security you may trade. Often custodians offer no-cost investment research to help bolster your decision making process to make the most informed decisions on security selection and timing of trades during an economic cycle.

19. Should you decide to buy and sell securities for your own account on a non-discretionary basis, we do not recommend buying any more than 5% in any one security to avoid concentration risk.  With tens of thousands of stocks to choose from we do not recommend putting any more than a maximum of 5% weighted position into any one investment as a general guideline for diversification.

20. Before you trade, you should familiarize yourself with all related risks, suitability and expenses which will apply to your particular transaction.

21. All equities, futures, forex and options positions involve risk.  We do not recommend investing in currency, futures, forex and options related instruments using this financial learning platform since these securities have inherently much great risk and should only be used by investment professionals.

22. We do not recommend trading on margin or using leverage in conjunction with this trading educational platform.  The high degree of leverage that is often obtainable in futures and forex trading because of the small margin requirements can work against you as well as for you. Leverage can lead to large losses.


24. You should directly consult your custodian concerning the nature of the protections available to safeguard funds or property deposited for your account.

25. While risk is unavoidable, it can be managed. Diversification is one tool in managing risk in a portfolio; a balanced portfolio distributes the various types of risk over a group of securities.



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Doug Adams - COO

Doug Adams has more than 30 years of experience as an executive in the IT industry. He has demonstrated success helping companies grow profitably with high degrees of customer satisfaction. 

He has a passion for developing talent and building high performing teams. Most recently as a Senior VP at FusionStorm, he helped grow the company from $440mm to over $1bb in sales and improve profitability 1500% (15x) over 7 years. Prior to that he was at Oracle for 14 years where he served as a Vice President in their North America Consulting Division. 

He had responsibility for a variety of software and technology practices with a team of over 400 consultants. He has also held leadership positions at IBM and Andersen Consulting (Accenture), and holds a BS degree from Cal Poly, San Luis Obispo in Industrial Engineering.

Ed Sweeney

Ed Sweeny - Board Member

Ed Sweeney is a partner and a founder of RCM Alternatives. Previously, he was a Managing Director of Trading at TD Options, LLC, a subsidiary of TD Securities until 2006. 

He is also a founder of Starboard Specialty Funds, LLC. which is an active fund specializing in private and publicly traded bank equities.
He was also a co-founder of a trading technology firm, Ragnarok Systems, and also worked for O’Connor & Associates and at Swiss Bank Corporation as a director of fixed income trading.
Mr. Sweeney graduated with an M.S. and B.S. in Mechanical Engineering from MIT, has a J.D. from John Marshall Law School and holds a Series 7, 24 and 63 licenses.

Karla Dennis

Karla Dennis - Board Member

As seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist. As an enrolled agent, Karla is licensed to represent taxpayers in all 50 states. She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds. 

She has been featured in various media outlets such as, KTLA, Forbes, MSNBC, Yahoo! Finance, and SmartMoney marking her the ultimate tax and business expert.

Thomas Shippee Bio

Thomas Shippee - Consulting Board Member

Thomas P. Shippee is a financial services investor and industry expert. His early years he earned a Bachelor’s degree in Economics at Bates College and an MBA at Pepperdine University.   

For the last 35 years he has served in various positions including CEO of Wells Fargo Financial whereupon he oversaw all US and Canadian consumer and commercial business finance operations from Des Moines, IA.  He currently spends his efforts in the consumer financial services industry counseling and working for small privately held businesses.  

David Bay Bio

David Bay - Consulting Board Member

David is a Kentucky native graduating with a degree in Music Education at University of Kentucky and a Masters degree in Education from Xavier University. His early years were spent excelling as band director leading his group to breaking records, honors and 3 straight years of placing in state wide competitions. 

In 1988 David started a new life of entrepreneurship. Since then his natural ability to lead and passion for growing people has stretched him to employ over a hundred employees and operating several businesses over several industries including real estate, heating oil, farm gas, commercial lubricant, consulting, skilled nursing care, convenience store and restaurant business.  

Marc C

Marc Chesley - Consulting Board Member

Marc Chesley is a software industry pioneer with a passion for growing people and companies. He is a recognized innovator and operational leader. As former CTO at Infusionsoft, Marc helped grow the company from startup to over $100mm in revenue. He has led as CEO and President of many fast-growth software companies. 

Marc was recognized as Arizona CIO of the Year by the Phoenix Business Journal and the Arizona Technology Council.  The Society for Information Management awarded him Arizona IT Leader of the Year. He currently works as the COO at Paradox (fast-growing software firm) managing product teams, engineering teams, business development teams and serving as general counsel.


Kelly Korshak - CTO

Kelly attended Stanford and subsequently the University of Chicago and has a graduate degree in mathematics.  He spent 25+ years on Wall Street, investing over $4 Billion assets for institutional banks and funds including Deutsche Bank, Morgan Stanley, Diamondback Capital, Brevan Howard and Tudor Group. 

His strategy to investing is built around the approach that Artificial Intelligence (A.I.) and machine learning algorithms produce superior risk / reward in the stock market.  This A.I. approach led him to retire from Wall Street with his family in Arizona to start up his own company “Flip Investor”.  

His dream is to empower all individuals to grow their wealth through the power of A.I. SmartFolio technology.

Randy Tate

Randy Tate - CEO

Randy spent his earlier years as a successful collegiate athlete and then self-made entrepreneur.  He grew an athletic apparel company to over $5M+ in revenue, then sold it to a publicly traded sporting conglomerate, Sports Chalet. 

For the last 10+ years he has trained thousands of employees and business owners on how to market effectively, grow sales and build sustainable growth in their companies.

His passion for technology led him to one of the fastest growing software companies called Infusionsoft, which peaked with over 150,000 software users.  As the VP of Business Training for customers, he developed and oversaw the expansion of the Elite Business Education curriculum program.

Since then he has led as the co-founder and CEO of iFlip, SAAS Financial Technology Company.  His passion is to empower all individuals to grow their wealth for the future through the use of AI investing technology.