Legal Agreement

Terms of Service

Please read these terms carefully. By using our financial planning services and website, you agree to be bound by these terms and conditions.

Acceptance of Terms

By accessing or using RetireSharp's website and financial planning services, 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.

These terms constitute a legally binding agreement between you and RetireSharp regarding your use of our services and website.

Description of Services

Financial Planning Services

  • Comprehensive retirement planning and analysis
  • Investment management and portfolio optimization
  • Healthcare professional-focused financial strategies
  • Tax planning and optimization guidance

Digital Services

  • Online financial planning tools and calculators
  • Educational resources and market insights
  • Client portal access and document management
  • Virtual consultation and communication services

Fiduciary Duty & Standards

Legal Fiduciary Standard

As a registered investment advisor, we are legally bound to act as a fiduciary, meaning we must always act in your best interest when providing investment advice.

SEC Registered Investment Advisor

What This Means for You:

  • Duty of loyalty - your interests come first
  • Duty of care - professional competence required
  • Full disclosure of conflicts of interest
  • Transparent fee structure and pricing

Client Responsibilities

To provide you with the best possible service, we require your cooperation and adherence to certain responsibilities:

Information Accuracy

  • • Provide complete and accurate financial information
  • • Update us promptly of any material changes
  • • Disclose all relevant financial accounts and assets
  • • Inform us of changes in goals or circumstances

Communication

  • • Respond promptly to requests for information
  • • Attend scheduled meetings and consultations
  • • Ask questions when you don't understand
  • • Provide feedback on our services

Investment Disclaimers & Risk Warnings

Important Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Investment advisory services are provided for a fee.

Market Risk

Investment values may fluctuate due to market conditions, economic factors, and other variables beyond our control.

No Guarantees

We cannot guarantee specific investment outcomes or returns. All projections are estimates based on current assumptions.

Limitation of Liability

To the maximum extent permitted by law, RetireSharp's liability for any claims arising from our services is limited as follows:

Maximum Liability

Our total liability shall not exceed the fees paid by you for our services in the 12 months preceding the claim.

Excluded Damages

We shall not be liable for indirect, incidental, consequential, or punitive damages, including lost profits or investment losses beyond our direct control.

Website Use & Restrictions

Permitted Uses

  • Access and use our financial planning tools
  • Download educational materials for personal use
  • Communicate with our advisors through provided channels
  • Share our content with proper attribution

Prohibited Activities

  • Attempt to gain unauthorized access to our systems
  • Use our content for commercial purposes without permission
  • Interfere with website functionality or security
  • Share login credentials or account access

Intellectual Property Rights

Our Content

All website content, including text, graphics, logos, and software, is owned by RetireSharp and protected by copyright and trademark laws.

Financial Tools

Our proprietary calculators and planning tools are licensed for your personal use only and may not be reproduced or distributed.

Your Content

You retain ownership of personal information and data you provide. By using our services, you grant us permission to use this information to provide financial planning services.

Third-Party Content

Some content may be provided by third parties. We respect intellectual property rights and expect users to do the same.

Governing Law & Regulatory Information

Applicable Law

These terms are governed by federal securities laws and the laws of the state where our primary office is located.

Regulatory Oversight

RetireSharp is regulated by the Securities and Exchange Commission (SEC) as a registered investment advisor.

Required Disclosures

Our Form ADV and other regulatory disclosures are available upon request and contain important information about our services, fees, and conflicts of interest.

Questions About These Terms

Need Clarification?

If you have questions about these Terms of Service or need clarification on any provisions, our team is available to help.

800-800-1695
Available 24/7

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated to active clients via email at least 30 days before taking effect. Continued use of our services after changes indicates acceptance of the modified terms. We encourage you to review these terms periodically.