Terms of Use Agreement (“Agreement”)

Please read this Agreement carefully before using this website. By accessing or using the website, you agree to be bound by the terms and conditions set forth in this Agreement. If you do not wish to be bound by these terms and conditions, you may not use this website for any purpose. Retirement Partner Advisors (RPA) may modify this Agreement at any time, and such modifications shall be effective immediately upon posting. Therefore, you also agree to review the Agreement periodically to be aware of such modifications, and your continued access or use of the website shall be deemed your conclusive acceptance of any modified terms.

Not an Offer of Investment or Legal Advice
Information on this website may not be considered a solicitation to buy or an offer to sell any security (including without limitation stocks, bonds, mutual funds, exchange traded funds, etc.). Therefore, visitors to this website should not assume that any information presented and/or made available herein serves as the receipt of, or a substitute for, personalized individual advice from an investment professional. In addition, while information contained on the website may refer or touch upon legal or tax concepts, nothing on this website is intended, or should be relied upon, as legal or tax advice.

Any information or interactive calculators made available on this website are provided as self-help tools for your independent use and are not intended to provide investment advice. RPA cannot and does not guarantee the applicability or accuracy of these tools to your individual circumstances. Any examples provided on this website are hypothetical and are for illustrative purposes only. To the extent that anyone utilizes any calculator or similar device contained within, or linked to, this website, they should understand the information resulting from the use of any such calculator/device is not, and should not be construed in any manner whatsoever as, the receipt of, or a substitute for, personalized individual advice from an investment professional. Instead, clients may only obtain personalized individual investment advice from RPA by contacting one of its advisors and providing detailed information regarding their personal circumstances.

Investment Risks
Investing in securities involves risk, including the risk of loss, and there is no guaranty that a specific investment or investment strategy referenced in this website will either be suitable or profitable for a specific visitor to this website. Investments will fluctuate in value and may be worth more or less than the original investment. Investors should consider the investment objectives, risks, and expenses of a security carefully before investing. Before investing in a security, request and review its prospectus or consult with an investment professional.

Past performance may not be indicative of future results. Therefore, visitors to this website should not assume that the future performance of any specific investment or investment strategy referenced directly or indirectly on this website will be profitable or equal to any particular performance level.

RPA is providing the information on this website on an “as-is” basis and, to the fullest extent permitted by applicable law, RPA disclaims all warranties, express or implied (including but not limited to implied warranties of merchantability and fitness for a particular purpose), regarding this website, including without limitation warranties related to the operation of the site, the information, content, materials, and services described therein, and any information or applications submitted through the website. Without limiting the foregoing, RPA does not warrant that this website or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that the website is free of viruses or other harmful components. RPA also does not warrant or make any representations regarding the use of the materials on the website or the services described therein.

Any links to other websites do not imply endorsement by RPA, and RPA is not responsible for the content of any linked site. If you choose to access any sites through this website, you do so at your own risk. In addition, articles included on this website may contain third-party data and, while RPA believes this information is accurate and reliable, it is not responsible for confirming the accuracy of any such data.

Unless otherwise noted, all site design, text, code, graphics, and interfaces, and the selection and arrangements thereof, on this website are the property of RPA, its respective partners and clients, or third parties who have specifically granted use of such materials to RPA and are protected by U.S. and other international copyright laws. All rights reserved.

Prior permission to use, reproduce, or reprint any photograph, illustration, artwork, or other material on this website must be obtained from RPA, regardless of the intended use. Any unauthorized use of the materials appearing on this website may be a violation of copyright, trademark, and other applicable laws and could result in criminal or civil penalties.

Compliance with Laws
By accessing this website, you agree to comply with all applicable laws, statutes, ordinances, and regulations regarding your use of this website and your use of the services described herein.

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.