Effective date: October 27, 2026
Value Over Time is a digital publication operated by Northstack Media LLC.
Some links on Value Over Time may be affiliate links.
If you click an affiliate link and apply for or open an eligible account, purchase a product, begin a subscription, register for a service, or complete another qualifying action, Northstack Media LLC may receive compensation.
Using an affiliate link ordinarily does not change the price you pay. Eligibility, approval, fees, pricing, promotions, and transaction terms are controlled by the applicable provider.
Why Value Over Time uses affiliate links
Affiliate revenue can help support:
- Website hosting and technical services
- Investment and financial research
- Editorial work
- Content maintenance and updates
- Publishing expenses
- Continued operation of Value Over Time
An affiliate relationship does not guarantee favorable coverage, inclusion in an article, a particular rating, ranking, or recommendation.
Editorial independence
When discussing investment-related products and services, Value Over Time aims to consider factors relevant to the applicable use case, potentially including:
- Fees
- Investment options
- Account types
- Account minimums
- Fund availability
- Account features
- Automation features
- Ease of use
- Limitations
- Provider disclosures
We do not claim firsthand account ownership, investment experience, or product use unless the applicable article expressly states that such experience occurred.
When content relies upon provider disclosures, fund documentation, public information, regulatory filings, research, or other sources rather than direct experience, we aim not to characterize that information as personal experience.
Material relationships
Value Over Time may receive:
- Affiliate commissions
- Referral fees
- Sponsorship payments
- Free or discounted software access
- Demonstration access
- Other benefits from companies mentioned on the site
When a material relationship applies to an endorsement or recommendation, we intend to disclose it clearly and close to the relevant content.
Affiliate disclosures within articles
This page explains Value Over Time’s general affiliate practices. It does not replace appropriate disclosures within individual articles.
Articles containing affiliate links should include an appropriate disclosure near the beginning or close to the relevant affiliate recommendation.
Value Over Time may use:
Affiliate disclosure: Value Over Time may earn compensation if you open an account, purchase, or subscribe through links in this article. This generally does not increase your price and does not determine our editorial conclusions.
Specific sponsorships, free access, compensation, or other material relationships may require additional disclosure.
Investment-product suitability
An affiliate relationship does not mean that a brokerage, robo-adviser, investment application, research product, portfolio tool, fund, or other financial product is appropriate for every reader.
Before opening or funding an investment account, independently evaluate relevant:
- Investment objectives
- Risks
- Fees
- Account minimums
- Available investments
- Liquidity
- Tax considerations
- Time horizon
- Provider disclosures
- Your individual financial circumstances
Consider appropriately qualified professional advice where warranted.
No guarantee of approval or investment results
Value Over Time does not guarantee:
- Account approval
- Investment returns
- Portfolio growth
- Dividend income
- Interest income
- Reduced investment risk
- Better investment performance
- A particular future portfolio value
- Any other financial outcome
Changing investment information
Fees, yields, investment offerings, account minimums, promotions, features, product availability, and provider policies can change.
Value Over Time does not control third-party:
- Investment performance
- Fees
- Pricing
- Account approvals
- Investment offerings
- Product availability
- Fund changes
- Privacy practices
- Security practices
- Service performance
The provider’s current disclosures and terms control.
Advertising versus affiliate links
Display advertising and affiliate links are different forms of compensation.
Value Over Time may earn advertising revenue when advertisements are displayed or interacted with.
Value Over Time may earn affiliate compensation when a visitor completes a qualifying action through a tracked affiliate link.
Value Over Time does not ask visitors to click advertisements to support the website.
Northstack Media LLC does not authorize artificial clicks, impressions, applications, account openings, traffic, or other activity intended to improperly increase advertising or affiliate revenue.
Questions
Questions regarding affiliate relationships or disclosures may be submitted through our Contact page.
Enter Affiliate Disclosure Question as the subject.
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