Last updated: January 2025
By accessing and using our financial planning services and website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
We provide financial planning, investment advisory, and related consulting services including comprehensive financial plan development, investment portfolio management, retirement planning, budgeting and cash flow analysis, debt management strategies, tax planning coordination, insurance needs analysis, and estate planning guidance.
You agree to provide accurate and complete financial information as requested. The quality of our advice depends on the accuracy of the information you share. You are responsible for informing us of any material changes to your financial situation, goals, or risk tolerance.
As a registered investment advisor, we are held to a fiduciary standard. This means we are legally obligated to act in your best interest at all times. We will always put your interests ahead of our own and disclose any potential conflicts of interest.
Our fee structure is outlined in your client agreement. We charge flat monthly fees based on your selected service tier. Fees are billed monthly and are due at the beginning of each billing period. Annual payment discounts are available. We do not earn commissions on financial products we recommend.
While we strive to provide the highest quality financial advice, we cannot and do not guarantee specific investment returns or financial outcomes. All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.
After the initial 3-month period, either party may terminate the advisory relationship with 30 days written notice. Upon termination, we will provide you with all plan documents and assist with an orderly transition of your accounts if needed.
Our liability is limited to the fees paid during the preceding 12-month period. We are not liable for losses resulting from market conditions, your failure to follow recommendations, or circumstances beyond our control.
These terms are governed by applicable federal securities laws and the laws of the state in which our primary office is located. Any disputes will be resolved through arbitration in accordance with FINRA arbitration rules.
If you have questions about these Terms of Service, please contact us at hello@yourcompany.com or call (555) 123-4567.