Terms of Service

Agreement to Terms

By accessing or using the PlanWell Financial Planning website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Description of Services

PlanWell Financial Planning provides financial planning and advisory services specializing in federal employee retirement planning, including:

• FERS retirement planning consultations
• Educational workshops and webinars
• Retirement income analysis and projections
• TSP optimization strategies
• Social Security coordination planning

Investment Advisory Disclosure

PlanWell Financial Planning is a registered investment advisor. Our advisory services are provided in accordance with applicable federal and state securities laws. Past performance is not indicative of future results.

No Guarantee of Results

While we strive to provide accurate information and helpful guidance, we cannot guarantee specific financial outcomes. All financial decisions involve risk, and results may vary based on individual circumstances.

Educational Content Disclaimer

The information provided on our website, including articles, calculators, and workshop materials, is for educational purposes only and should not be considered personalized financial advice. Please consult with a qualified financial advisor for advice specific to your situation.

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Not attempt to interfere with the proper functioning of our website

Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of PlanWell Financial Planning and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

Our website may contain links to third-party websites. We do not control or endorse these external sites and are not responsible for their content or practices.

Limitation of Liability

To the maximum extent permitted by law, PlanWell Financial Planning shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website.

Indemnification

You agree to indemnify and hold harmless PlanWell Financial Planning, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of the modified terms.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us at:

PlanWell Financial Planning
Email: info@planwellfp.com
Phone: (703) 123-4567