Terms of use

1. 1.1

   Guides and calculators are education, not personal advice.

2. 1.2

   The one-hour session costs $99, credited to the first-year fee if you become a client.

3. 1.3

   Advisory work begins only when you sign a written agreement.

What you can expect from us, and what we ask of you

1. 2.1

   Education only

   The guides and calculators are general education. They cannot take your circumstances into account, so they are not advice about investments, taxes, legal matters or insurance fitted to you.

2. 2.2

   Use of the content

   The text, layout and tools are ours or are licensed to us. You may read them, and print a page or pass it on for your own non-commercial use. Copying the site in bulk, scraping it or reselling any part of it needs our written permission.

3. 2.3

   Calculators

   A calculator shows what its stated assumptions produce. Take it as an illustration; it forecasts nothing and promises nothing about any investment.

4. 2.4

   Inquiries

   Sending an inquiry asks the firm to contact you. It places no obligation on either side, and we may decline an inquiry or stop replying to it.

5. 2.5

   Advisory services

   The firm gives personal advice only under a written advisory agreement, and it delivers its Form ADV Part 2 and Form CRS to you before any engagement. Fees for advisory work are set out in that agreement. The firm is registered as an investment adviser with the State of California, firm CRD 311474, since January 26, 2021, and is not registered with the SEC; the public record is at https://adviserinfo.sec.gov/firm/summary/311474 (opens in a new tab). Registration does not imply a certain level of skill or training.

6. 2.6

   The one-hour session

   You may ask for an optional one-hour session for $99 through the booking page. We email a payment link once we have confirmed a time, and nothing is charged until then. If you become a client, the $99 is credited to your first-year fee.

7. 2.7

   Limits of liability

   We provide the site as it is. We do not accept liability for loss that comes from relying on general content, from an error in it or from an interruption of the site, to the fullest extent the law allows. Nothing in these terms limits a duty the firm owes you as an advisory client.

8. 2.8

   Changes

   We may revise these terms. The version published here is the one that applies; if you carry on using the site after a revision, that is your acceptance of it.