Terms & Conditions

​

My Commitments to You:

1. Honest Communication. I will always be honest and forthright in our discussions and share information I believe will be helpful for your financial journey.

2. Educational Guidance. I will provide financial guidance based on generally accepted personal finance principles and practices, and help you understand various financial concepts and potential approaches to consider.

3. Multiple Options - Your Choice. I will frequently present you with multiple approaches and general strategies for you to consider, such as suggesting categories of investment (such as stock or bond index mutual funds) and providing specific examples for you to consider.  The specific choices will always be yours. You are solely responsible for evaluating, selecting, and implementing any strategies that you believe are best for you.

4. No Product Sales. I do not sell financial products and will not earn any commissions from your purchase of any financial products (including, but not limited to, stocks, bonds, mutual funds, insurance policies, and annuities).

5. No Fund Custody or Management.  I will never take custody of your funds or manage your funds on your behalf.  You will continue to have full control over your money, and you will be free to choose whatever mutual fund company or broker you prefer to use.

6. Fiduciary Relationship: I will always endeavor to act ethically, prudently, and make recommendations and suggestions solely in your best interests. I will always endeavor to inform you of your options and the risks and tradeoffs of various options so that you can make informed, prudent decisions.

7. Reasonable Availability. I will be available at reasonable times and with reasonable frequency for our scheduled sessions.

8. Privacy Commitment. I will maintain confidentiality of our discussions, subject to legal requirements and the terms of our formal coaching agreement.

 

Your Commitments and Responsibilities:

1. Honest Communication. Clear communication is crucial to productive coaching sessions. You agree to be truthful and transparent about your personal situation, financial goals, and challenges, and provide accurate and complete information for our discussions.

2. Session Preparation. You will complete recommended activities (questionnaires, worksheets, readings, videos) between coaching sessions to maximize our time together.

3. Independent Decision-Making.  You are solely responsible for your financial actions, choices, and decisions. This includes conducting your own due diligence, making decisions that are right for your specific situation, and consulting appropriate licensed professionals when appropriate.

4. Implementation Responsibility. You take full responsibility for implementing any strategies you choose. You recognize that achieving financial goals requires personal commitment and action on your part.

5. Payment Policy. You understand that coaching sessions are paid in advance and refunds are not offered after sessions are completed.

6. Scheduling Policy. Rescheduling requests require 24-hour advance notice. Late arrivals or no-shows result in forfeited sessions.

 

Important Disclaimers:

• Educational Services Only: Financial coaching provides general education, information, and guidance on personal finance topics. Although Coach is a Retirement Income Certified Professional® (RICP) and has extensive experience in personal financial topics, Coach is not providing detailed professional financial planning, investment advice, tax advice, legal advice, or any services requiring professional licensing.

• Personal vs. Business Focus: Sessions focus only on personal financial matters. For business consulting, please request separate business services.

• Professional Referrals: For more specific and detailed advice regarding investments, taxes, legal matters, insurance, or estate planning, you should consult appropriate licensed professionals including certified financial planners, attorneys, accountants, or other specialists.

• No Guarantees: No specific outcomes or results are guaranteed. All investment and financial decisions carry risk, and you may lose money based on any strategies you choose to implement.

• Risk Assumption: You acknowledge and assume all risks associated with implementing any strategies or concepts discussed in coaching sessions.