1. WEBSITE PURPOSE

This website is provided for informational and educational purposes only.
ERFPE is an educational and coordination-based planning model focused on estate planning retirement planning and financial integration.
Information presented on this website is intended to help individuals families business owners and professionals better understand coordinated planning concepts and strategies.
Nothing on this website should be interpreted as legal tax accounting or investment advice.

2. NO LEGAL OR TAX ADVICE

ERFPE does not provide legal advice or tax advice.
Legal documents are state specific and attorney-connected where applicable.
You should consult qualified legal tax accounting and financial professionals regarding your individual circumstances before making financial legal or planning decisions.

3. NO ATTORNEY-CLIENT RELATIONSHIP

Use of this website including contact forms scheduling tools assessments questionnaires educational videos emails text messages or consultations does not create an attorney-client relationship fiduciary relationship or legal representation relationship.
Any communication submitted through this website is considered preliminary and informational unless otherwise agreed in writing.

4. EDUCATIONAL CONTENT

Educational materials videos articles graphics downloads presentations and planning examples are provided solely for general educational purposes.
Examples scenarios illustrations and case studies shown throughout the website are hypothetical unless specifically stated otherwise and should not be considered guarantees of results or outcomes.
Planning outcomes vary based on individual goals assets risk tolerance family structure laws market conditions and implementation.

5. FINANCIAL PRODUCTS AND INSURANCE

ERFPE may recommend annuities insurance products and other financial strategies where appropriate as part of coordinated retirement and financial planning discussions.
Recommendations are based upon suitability objectives planning needs and available information provided during consultations.
Purchasing financial products is never required to access educational content consultations or coordination discussions.

6. CONSULTATION SERVICES

Consultation sessions are educational and strategic discussions intended to provide clarity structure and planning direction.
Consultation fees may apply and are disclosed prior to scheduling.
Consultation fees may be credited toward implementation services where applicable.
Additional sessions may be recommended depending on complexity coordination needs and implementation requirements.

7. NO GUARANTEE OF RESULTS

ERFPE does not guarantee financial investment legal tax or estate planning outcomes .
Past performance planning examples or hypothetical illustrations do not guarantee future results.
Implementation decisions remain the responsibility of the client.

8. THIRD-PARTY PROFESSIONALS

ERFPE may coordinate with attorney-connected professionals insurance carriers financial institutions tax professionals or other third-party providers.
ERFPE is not responsible for the services actions opinions availability or outcomes provided by third parties.
Separate agreements may apply between users and third-party providers.

9. USER RESPONSIBILITIES

By using this website you agree that:

10. PRIVACY

Information submitted through this website is subject to the ERFPE Privacy Policy.
While reasonable safeguards are used no website or electronic communication system can guarantee complete security.
Users should avoid transmitting highly sensitive confidential or personal information through unsecured communication channels.

11. INTELLECTUAL PROPERTY

All website content including:

are the intellectual property of ERFPE unless otherwise stated and may not be copied reproduced modified distributed or republished without prior written permission.

12. LIMITATION OF LIABILITY

ERFPE shall not be liable for any direct indirect incidental consequential or special damages arising from:

Use of this website is at your own risk.

13. EXTERNAL LINKS

This website may contain links to third-party websites scheduling tools videos or external resources.
ERFPE is not responsible for the content availability accuracy or policies of third-party websites.

14. MODIFICATIONS

ERFPE reserves the right to update modify or revise these Terms of Use at any time without prior notice.
Continued use of the website following changes constitutes acceptance of the updated Terms.

15. GOVERNING LAW

These Terms of Use shall be governed by the laws of the State of Texas without regard to conflict of law principles.

16. CONTACT INFORMATION

Estate, Retirement and Financial Planning Educators, LLC

Multi-State Coordination Model

Compliance Statement

Legal documents are state specific and attorney-connected. ERFPE does not provide legal advice.
© 2020 Estate, Retirement and Financial Planning Educators, LLC