The important fine print.

Financial services come with disclosures. Ours shouldn’t require a law degree to understand.

This page explains who NTXGen Advisors is, the regulated firms through which certain services are provided, how we may be compensated, how we handle information and technology, and a few important things you should know when using this website.

Who we are

NTXGen Advisors LLC (“NTXGen”) is an independent financial planning firm. 300 E Davis St, Ste 158, McKinney, TX 75069. (972) 200-3480

NTXGen is not itself a broker-dealer or registered investment adviser. Depending on the services being provided, financial professionals associated with NTXGen may act as registered representatives of Etico Partners, LLC and/or investment adviser representatives of Quartz Partners, LLC d/b/a Etico Private Wealth.

NTXGen Advisors LLC is a separate legal entity from Etico Partners, LLC and Quartz Partners, LLC.

The capacity in which a financial professional is acting matters because different services may involve different compensation arrangements, regulatory obligations and potential conflicts of interest.

Investment advisory services

Investment advisory services are offered through Quartz Partners, LLC d/b/a Etico Private Wealth, an investment adviser registered with the U.S. Securities and Exchange Commission.

Certain NTXGen financial professionals provide investment advisory and financial planning services in their capacity as investment adviser representatives of Quartz Partners.

Registration with the SEC does not imply a particular level of skill or training or constitute an endorsement by the SEC.

Additional information regarding Quartz Partners, including services, fees, business practices and conflicts of interest, is available through its Form ADV, Form CRS and other regulatory disclosures.

Quartz Partners / Etico Private Wealth Disclosures
SEC Investment Adviser Public Disclosure

Brokerage and commission-based services

Securities and brokerage services are offered through Etico Partners, LLC, a registered broker-dealer and Member FINRA/SIPC.

Certain NTXGen financial professionals are registered representatives of Etico Partners and may provide brokerage services and receive transaction-based compensation, including commissions.

Financial professionals associated with NTXGen may also be licensed to offer insurance products, annuities and other commissionable financial products through appropriately licensed insurance carriers or other providers.

When a commissionable product is purchased, the financial professional may receive compensation from the provider. This compensation creates a potential conflict of interest because the financial professional has a financial incentive associated with the transaction.

Clients are not required to purchase brokerage, insurance or other commissionable products in order to receive financial planning or investment advisory services.

Etico Partners and Quartz Partners are affiliated with one another through common ownership and control. NTXGen Advisors LLC is a separate legal entity.

Additional information regarding Etico Partners, brokerage compensation and applicable conflicts of interest is available through Etico’s regulatory disclosures and FINRA BrokerCheck.

Etico Partners Disclosures
FINRA BrokerCheck
SIPC

Client privacy

Your financial life contains information that is personal, sensitive and often highly confidential. We take protecting that information seriously.

NTXGen may collect information necessary to understand your circumstances, provide financial planning and related services, communicate with you, maintain appropriate records, comply with applicable requirements and operate our business.

Depending on your relationship with us, that information may include financial, investment, insurance, tax, estate planning, family, business, employment and other information you choose to provide.

We do not sell your nonpublic personal financial information.

We may share information when reasonably necessary to provide services to you or operate our business, including with custodians, broker-dealers, registered investment advisers, insurance carriers, financial institutions, professional advisers, technology providers and other service providers. Information may also be disclosed when authorized by you or as permitted or required by law.

When NTXGen financial professionals provide brokerage or investment advisory services through Etico Partners or Quartz Partners, information may also be subject to those firms’ privacy policies, cybersecurity procedures and regulatory requirements.

We maintain administrative, technical and physical safeguards designed to protect confidential information from unauthorized access or misuse and expect service providers handling confidential information on our behalf to maintain appropriate safeguards.

No electronic system or method of storing or transmitting information can be guaranteed to be completely secure.

For additional information regarding information collected in connection with brokerage or investment advisory services, please review the privacy notices of Etico Partners, LLC and Quartz Partners, LLC d/b/a Etico Private Wealth.

Technology and artificial intelligence

We use technology extensively in operating our business, and that may include artificial intelligence, generative AI and other AI-enabled tools.

These technologies may assist our team with activities such as meeting transcription and summarization, research, organization and analysis of information, drafting, workflow management, document processing and other administrative or professional-support functions.

AI is a tool—not your financial advisor.

NTXGen does not delegate final personalized financial advice, recommendations or professional judgment to generative artificial intelligence. When AI-assisted information is used in connection with client advice, planning or communications, the responsible financial professional remains accountable for reviewing the work and determining whether it is appropriate for the client’s circumstances.

AI-generated information can be incomplete, inaccurate or misleading. Its use does not eliminate the need for professional judgment, independent verification or human review.

Our use of technology does not change our responsibility to appropriately safeguard confidential client information. We consider privacy, confidentiality, cybersecurity, vendor practices and regulatory requirements when evaluating technology that may process client information.

The specific technologies we use will continue to evolve. Our responsibility for the advice and services we provide does not.

About the information on this website

The information on this website is provided for general educational and informational purposes.

It should not be interpreted as an offer or solicitation to buy or sell a security, individualized investment advice, a recommendation of a particular investment or financial product, a guarantee of a financial result, or individualized legal, tax or accounting advice.

Financial planning strategies and investment concepts discussed on this website are general in nature unless provided within an established professional relationship after considering a client’s individual circumstances.

Your financial situation, objectives, risk tolerance and needs are unique. A strategy that is appropriate for one person may not be appropriate for another.

Information presented on this website may change and may not always reflect the most current information available.

Investment risk and financial projections

Investing involves risk, including the possible loss of principal. No investment strategy, asset allocation or financial plan can guarantee positive performance or achievement of a particular objective.

Past performance does not guarantee future results.

Financial plans, retirement analyses, Monte Carlo simulations and other projections depend on assumptions regarding future events such as investment returns, inflation, interest rates, taxes, income, spending and longevity.

Actual results will differ from those assumptions and may differ materially.

Projections are tools for evaluating possible outcomes. They are not predictions, promises or guarantees.

Unless otherwise indicated, securities and investment products: ARE NOT FDIC INSURED · ARE NOT BANK GUARANTEED · MAY LOSE VALUE

Tax, legal and accounting matters

Financial planning often intersects with taxes, estate planning, business planning and legal matters.

Unless specifically qualified and separately engaged to provide such services, NTXGen and its financial professionals do not provide legal, tax or accounting advice.

We may help clients understand the financial implications of these issues and coordinate with their attorneys, CPAs and other professional advisers. Clients should rely on appropriately qualified professionals for legal, tax and accounting advice specific to their circumstances.

Third-party information and links

We may reference research, market data, statistics, commentary or other information obtained from third parties we believe to be reliable, but we do not guarantee that third-party information is accurate, complete or current.

Links to third-party websites are provided for convenience and information. A link does not necessarily constitute an endorsement of the third party, its products, services or opinions.

NTXGen does not control and is not responsible for the content, security, availability or privacy practices of third-party websites.

Testimonials, endorsements and ratings

Testimonials, endorsements, reviews or third-party ratings should not be interpreted as a guarantee that another client or prospective client will have the same experience or achieve similar results.

Individual experiences vary.

Where required, additional information concerning compensation, conflicts of interest or the methodology associated with a testimonial, endorsement or third-party rating will accompany the applicable content.

Professional credentials

Professional certifications and designations referenced on this website indicate that the individual has satisfied the requirements established by the organization issuing that credential.

Benjamin Gerald is authorized to use the CFP® certification marks by CFP Board.

Where we can do business

Financial planning, investment advisory, brokerage and insurance services may not be available in every jurisdiction.

Services are provided only where the applicable financial professional and firm are appropriately registered, licensed, exempt from registration or otherwise permitted to conduct business.

Learn more

For additional information regarding the regulated firms through which NTXGen financial professionals may provide services:

Etico Partners, LLC
Registered Broker-Dealer · Member FINRA/SIPC
Etico Partners Disclosures · FINRA BrokerCheck

Quartz Partners, LLC d/b/a Etico Private Wealth
SEC-Registered Investment Adviser
Quartz Partners Disclosures · Form CRS · Form ADV · SEC Investment Adviser Public Disclosure

Questions?

We would rather answer a question than have you guess what any of this means.

If you have questions about NTXGen, how we are compensated, the capacity in which your financial professional is acting, how your information is handled or anything on this page, please contact us.

Full Disclosures