Currently accepting clients. Get started now.

Terms of Service

By accessing, browsing, or interacting with the Benevolent Planning, Inc. DBA TaxAdvisor365 website or utilizing any of our services, you acknowledge and agree to the terms and conditions outlined in this Terms of Service agreement. These terms constitute a binding contract between you (the user) and Benevolent Planning, Inc. DBA TaxAdvisor365, governing your use of our website, services, and any associated communications.If you do not agree to these terms, you must discontinue use of our website and services immediately. Continued use of the Benevolent Planning, Inc. DBA TaxAdvisor365 website or engagement with our team indicates your acceptance of this agreement and any subsequent updates.Below this clause, you will find the full Terms of Service agreement, detailing your rights, obligations, and limitations while using our website and services.

Benevolent Planning, Inc. DBA TaxAdvisor365 6421 N Florida Ave, D-1364 Tampa, FL, 33604 ADVISORY CLIENT AGREEMENT THIS ADVISORY CLIENT AGREEMENT, related appendixes and schedules (collectively the “Agreement”) is between Benevolent Planning, Inc. DBA TaxAdvisor365 (the “Advisor”) and the undersigned client(s) (the “Client”). Client and Advisor are each referred to as a “Party,” and collectively they are the “Parties.” Fiduciary Statement The Advisor owes the Client a fiduciary duty, which comprises a duty of care, a duty of loyalty, and a duty to follow client instructions. This means the Advisor must, at all times, serve the best interest of its clients and not subordinate its client’s interest to its own. Agreement Purpose This Agreement establishes the terms under which the Advisor will provide an ongoing financial plan to the Client. It defines the rights, responsibilities, and obligations of both parties, including services to be provided, fees to be charged, and the standards governing the advisory relationship. The specific services and fees are defined in the respective appendixes and schedules attached to and made part of this Agreement. This introductory section serves only to identify the parties and establish the nature of their relationship. Activities The ongoing financial plan engagement will proceed through the following structured process: Understanding Client Circumstances The Advisor begins the engagement by collecting comprehensive information about the Client's personal and financial circumstances. This discovery process involves gathering both qualitative and quantitative data through an initial virtual meeting and secure document collection. The Advisor will provide a detailed list of required documentation supporting the ongoing financial planning engagement, which may include tax returns, details of employer benefit programs, insurance policies, mortgage statements, estate planning documents, and other financial information where applicable. The Client will submit all documentation through the secure RightCapital client portal. Goal Identification and Selection The Advisor works directly with the Client to identify and prioritize specific financial objectives through structured discussion and analysis. The Advisor helps refine general financial goals into measurable investment targets with defined time horizons and funding requirements. This process includes evaluating the feasibility of each objective given available resources, analyzing potential trade-offs between competing goals, and establishing realistic implementation timelines. The Advisor provides educational support throughout this process to enable informed decision-making regarding goal priorities. Developing Planning Recommendations After goal selection, the Advisor examines how well the current course of action aligns with the Client’s stated goals, considering factors such as current savings rates, investment allocations, risk management, and tax efficiency. This baseline analysis informs the development of potential alternative strategies. The Advisor conducts thorough scenario analysis to evaluate different approaches for achieving the Client's objectives, considering probability of success under various conditions. Final recommendations are presented with clear explanations of the reasoning behind each suggested change. Strategy Presentation and Selection We will present a financial planning deliverable containing an evaluation of your current course of action and our alternative recommendations.  This document is reviewed during a dedicated virtual meeting where the Advisor explains the rationale for each recommendation and addresses Client questions or concerns. The Client maintains full discretion in selecting which recommendations to implement. Implementation Upon delivery of the ongoing financial plan deliverable, this engagement will conclude. The Client assumes sole responsibility for implementing any recommendations provided. While the Advisor does not implement recommendations under this engagement, implementation services are available through a separate client agreement. Should the Client wish to engage the Advisor for implementation, this option may be exercised at plan delivery or thereafter. Ongoing Monitoring and Review Following plan delivery, the Client assumes sole responsibility for monitoring their ongoing financial plan and determining when updates or revisions are needed. The Client acknowledges that market conditions, personal circumstances, and financial objectives may change over time, potentially affecting the relevance and effectiveness of the recommendations provided. The Client accepts responsibility for determining when professional review of their financial plan is appropriate. Our service platform provides 24/7 access to your portfolio information through the RightCapital client portal. All client communications will be conducted through our secure CurrentClient platform to ensure confidentiality of your information. While we do not provide tax or legal services, we will coordinate with your other professional advisors as authorized to ensure integrated implementation of your ongoing financial plan.

Scope of Services

This section outlines the ongoing financial plan services that the Advisor will provide to you. Ongoing Financial Planning The Advisor will provide an ongoing financial plan that includes: Goal Identification and Selection Evaluation of Current Course of Action Proposed Alternative Courses of Action Annual Financial Plan Deliverable On-Call Support for Personal Financial Matters Service Delivery All services will be delivered using the following authorized platforms: Wealthbox ●      Client Relationship Management ●      Service Delivery CurrentClient ●      Primary Channel For Secure Client Communications AdvicePay ●      Contract Administration ●      Fee Processing Google Workspace ●      Document Storage ●      Other Internal Processes RightCapital ●      Financial Planning Software Meeting Schedule The Advisor will conduct all client meetings virtually through secure video conferencing. The meeting schedule includes: Current Course of Action Review Proposed Alternative Courses of Action Review Tri-Annual Plan Reviews Additional Meetings As Reasonably Requested By The Client Service Limitations This agreement covers ongoing financial plan services only. While the Advisor may provide financial advice or general guidance on financial matters that impact household decisions, this agreement does not include: ●      Investment Management Services ●      Implementation of Planning Recommendations ●      Other Excluded Services As Detailed In The Responsibilities Section Ongoing Advisory This agreement establishes an ongoing engagement between the Advisor and the Client. The Advisor will provide a financial plan that includes implementation rather than a one-time project-based advisory relationship.  The specific implementation responsibilities and service standards are detailed in the Responsibilities section of this agreement. All services will be delivered in accordance with this agreement and any written instructions provided by the Client.

Timeline of Work

Start Date Services under this Agreement begin on the Effective Date, which is the date the Client signs this Agreement. The Advisor will initiate service within five business days of receiving all required account documentation and completing the account funding process.

Service Schedule The Advisor will provide the following regular meeting schedule: New Client Onboarding Schedule Event Name Description Milestone Date Initial Meeting The Advisor will learn about the Client’s personal and financial circumstances; gathering information. Date (D) Goal Identification and Selection The Client and Advisor collaborate to select and prioritize financial goals. D + 10 Days Strategy Selection The Client selects which planning recommendations to implement D + 20 Days 90-Minute Implementation Meeting The Advisor answers final questions before the Client implements planning recommendations on their own. D + 30 Days Annual Service Schedule Event Name Description Milestone Date Bi-Annual Planning Meetings The Advisor will conduct planning meetings twice per year to align on implementation, discuss any necessary adjustments, and address Client questions. May 30th September 30th Annual Financial Planning Review The Advisor will conduct a thorough review of the Financial Plan to ensure alignment with Client objectives and make any necessary updates. December 31st Additional Meetings The Client may request additional meetings as reasonably needed to address specific concerns or questions. N/A Factors Affecting Timeline The Advisor's ability to deliver services according to the established schedule may be affected by circumstances outside the Advisor's control, including, but not limited to: Delayed or incomplete submission of required documentation by the Client Client unavailability for scheduled meetings or delayed response to communications Technical issues with third-party service providers or financial institutions Delays in account transfers or funding Market closures or trading restrictions Regulatory changes requiring service modifications System outages affecting critical service platforms Changes to Client circumstances requiring strategy modification Delayed Client decisions regarding planning recommendations Force majeure events including natural disasters or widespread technical disruptions Term and Termination This Agreement remains in effect from the Effective Date until the date the financial plan is delivered. Either party may terminate this Agreement without penalty by providing at least 15 calendar days' written notice. Termination becomes effective 15 calendar days after receipt of such notice or on another mutually agreed date. Since fees are paid in advance, the Advisor will provide a prorated refund of any unearned fees upon termination. The Advisor reserves the right to terminate this Agreement immediately if the Client: Fails to pay in a timely manner Intentionally provides false or misleading information Fails to provide information necessary for service delivery The Advisor will provide written notice and process any applicable refunds within 15 days.

Fees and Costs

Fee Structure and Calculation Ongoing financial planning services involves two primary fee components: an initial planning fee and an ongoing advisory fee. Our fee structure is designed to reflect the scope and complexity of financial planning services provided. The final fee is determined based on several key factors: ●      Complexity and specific needs of your financial situation ●      Estimated time required for analysis and plan development ●      Depth of research and resources needed ●      Coordination required with other professional advisors ●      Additional relevant factors specific to your circumstances Should you require consultations beyond the scope of this financial planning engagement, additional time will be billed at our standard hourly rate of $600. The minimum billable increment is 30 minutes, resulting in a minimum charge of $300 for any additional consultation. By executing this engagement letter, you acknowledge and consent to these additional charges without the need for a separate agreement. We will provide detailed documentation of any additional time billed, including the nature of services rendered and time spent. We will try to notify you in advance when approaching the scope limits of the original engagement to discuss whether additional billable time may be necessary. All additional fees are payable upon receipt of invoice according to the same terms as the primary engagement.
Fee Calculation and Billing Ongoing financial planning services involves two primary fee components: an initial planning fee and an ongoing advisory fee.

Initial Planning Fee The Advisor charges an initial fee ranging from $10,000 to $100,000 for the development and delivery of the Client's comprehensive financial plan. This fee covers the foundational planning work, including data gathering, analysis, and the creation of customized financial planning recommendations. The timeline for plan completion depends on the Client's specific circumstances, the complexity of the Client's financial situation, and the promptness of information provided. At the Advisor's discretion, this initial fee may be reduced or waived. Ongoing Advisory Fee Following the initial plan, the Advisor provides ongoing financial planning services for an annual fee ranging from $15,000 to $100,000, billed quarterly in advance. This fee structure ensures continuous support and regular updates to the Client's financial plan as circumstances evolve. All fees are negotiable and will be clearly documented in your Advisory Contract. The Client agrees to pay the initial planning fee in full prior to the commencement of services. Following the initial planning fee, the ongoing advisory fee will commence 90 days after the initial planning fee payment date. The ongoing advisory fee will be billed quarterly in advance, with each payment representing one-fourth of the annual fee amount specified in the Advisory Contract. The first quarterly payment of the ongoing advisory fee will be prorated if necessary to align with the established quarterly billing cycle. The specific fee amount and payment terms will be detailed in writing before beginning our engagement. Fee Collection Methods The Client authorizes the Advisor to collect fees through direct deduction from the Client’s account using AdvicePay or a similar service.
Fee Adjustments and Changes No increase in the ongoing fee schedule will take effect without prior written consent from the Client. The Advisor will provide at least 30 days' notice of any proposed fee changes. Additional Costs
The Client may incur separate charges from third parties, including, but not limited to: ●      Custodian Fees ●      Account Service Fees ●      Professional Service Fees ●      Technology Costs ●      Subscriptions ●      Implementation Costs ●      Other Costs The Advisor does not receive any portion of these third-party fees. Compensation Disclosure The Advisor receives compensation solely from advisory fees paid by Clients. The Advisor does not accept commissions, referral fees, or any other forms of compensation from third parties in connection with providing these services.

Responsibilities

Identifying and Selecting Goals The Client agrees to engage in thorough discussions about their financial circumstances and clearly communicate: ●      Short-Term And Long-Term Goals ●      Acceptable Levels Of Risk ●      Current And Anticipated Income Needs ●      Known Future Financial Obligations ●      Any Personal Or Legal Restrictions On Assets ●      Changes To Financial Circumstances That May Affect Planning Recommendations The Client must promptly notify the Advisor of any material changes to their circumstances, financial objectives, or risk tolerance that may require adjustments to the ongoing financial plan.
Gathering Information The Client agrees to: ●      Provide Complete And Accurate Financial Information ●      Maintain Access To Provided Digital Platforms ●      Respond To Information Requests Within Reasonable Timeframes ●      Keep Account Access And Contact Information Current ●      Review And Verify Accuracy Of Provided Information Required documentation includes, but is not limited to: ●      Investment Account Statements ●      Current Investment Holdings ●      Tax Returns & Other Tax Documentation ●      Trust Or Legal Documents Affecting Investment Decisions ●      Account Transfer Paperwork ●      Digital Platform Access Agreements The Client acknowledges that the Advisor's ability to provide services effectively depends on receiving accurate and timely information. Delays in providing requested information may affect service delivery as outlined in the Timeline section of this Agreement. Analysis of Current Course of Action The Client acknowledges that all projections are hypothetical and based on reasonable assumptions. These projections serve as a baseline for comparing alternative strategies but do not guarantee future results. Development of Alternative Strategies The Client agrees to review all proposed strategies and engage in meaningful discussion about their implications. The Client will seek clarification when needed to ensure full understanding of proposed alternatives. Strategy Selection The Client maintains sole discretion in selecting financial strategies and must communicate decisions clearly and promptly. The Client acknowledges that delays in decision-making may affect implementation timing and potential outcomes. Implementation Advisor Responsibilities: ●      Executing Agreed-Upon Recommendations ●      Coordinating With Other Professionals ●      Tracking Progress Towards Milestones ●      Providing Regular Updates To The Client ●      Reviewing Implemented Recommendations For Alignment ●      Making Necessary Adjustments As Needed The Advisor will not provide tax, legal, or accounting services. When such services are needed, the Advisor will recommend engaging appropriate professionals. Client Responsibilities: ●      Reviewing and Signing Necessary Documents ●      Following Through on Assigned Action Items ●      Maintaining Regular Communication with Advisor ●      Promptly Notifying the Advisor of Changing Circumstances ●      Making Final Decisions Regarding Implementation ●      Coordinating with Other Professional Advisors Monitoring and Review Process Advisor Responsibilities: ●      Conducting Bi-Annual Reviews Of The Client’s Financial Situation ●      Communicating Any Material Macroeconomic Changes ●      Documenting Activities And Discussions ●      Proactively Scheduling Review Meetings ●      Updating Financial Projections For Actual Results And Revised Assumptions Client Responsibilities: ●      Participate In Scheduled Review Meetings ●      Promptly Notify The Advisor Of: ○      Changes In Financial Circumstances ○      Updates To Investment Objectives ○      Modifications To Risk Tolerance ○      Anticipated Significant Withdrawals ○      Other Material Changes ●      Reviewing All Advisor-Provided Documentation ●      Communicating All Concerns And Questions As They Arise ●      Making Decisions About Proposed Adjustments ●      Maintaining Accurate Financial Records The Client acknowledges that failure to fulfill these responsibilities may impact or negate the validity of the strategies recommended by the advisor. Services Not Provided This section defines services explicitly excluded from this ongoing planning agreement. Any service not specifically listed in Scope of Services or explicitly excluded in this section should not be assumed to be included in this engagement. A. Legal Services The Advisor does not provide legal services, including but not limited to drafting, reviewing, or modifying legal documents such as wills, trusts, contracts, powers of attorney, or business agreements. The Advisor may discuss general legal concepts as they relate to an ongoing financial plan but cannot provide specific legal advice. B. Tax Services The Advisor does not provide tax services, including but not limited to tax return preparation, tax planning strategy development, tax compliance review, responding to tax notices, tax audit representation, or IRS dispute resolution. While the Advisor considers tax implications in ongoing financial plan decisions, these considerations do not constitute tax advice. C. Insurance Services The Advisor does not provide insurance services, including but not limited to policy issuance, policy modifications, claims processing, or serving as an insurance agent. The Advisor may review existing policies and discuss insurance concepts as they relate to an ongoing financial plan but cannot implement insurance recommendations. D. Accounting and Bookkeeping The Advisor does not provide accounting or bookkeeping services, including but not limited to financial statement preparation, expense tracking, budget creation, cash flow management, debt management, or business accounting services. E. Business Advisory The Advisor does not provide business advisory services, including but not limited to business valuation, succession planning, operational consulting, or merger and acquisition advisory services. F. Portfolio Management The Advisor does not provide investment advisory or portfolio management services, including but not limited to selecting an asset allocation, opening new accounts, custodian paperwork, trading authorizations, research, or managing client accounts. G. Additional Excluded Services The Advisor does not provide: ●      Credit counseling or debt negotiation services ●      Real estate brokerage or property management services ●      Banking or lending services ●      Alternative investment due diligence ●      Cryptocurrency advisory services ●      Bill payment or expense management services Professional Referrals and Coordination For any excluded services, the Client may need to engage other qualified professionals. Upon request, the Advisor may provide referrals to other professionals but does not guarantee their services. The Advisor may coordinate with other professionals engaged by the Client but is not responsible for their services or advice. Scope Clarification The Client acknowledges that while the Advisor may discuss concepts related to excluded services as they impact ongoing financial plan decisions, such discussions do not constitute professional advice in those areas. The Client should seek appropriate professional counsel for services outside the scope of this agreement.

Proprietary Products

Investment Products and Services The Advisor maintains a strictly independent planning approach and does not offer or recommend any proprietary investment products. All investment recommendations are based solely on their merits and alignment with Client objectives. The Advisor does not receive any compensation from investment product providers and has no financial incentive to recommend specific products or services. Professional Service Referrals The Advisor may recommend that Clients seek professional services from qualified third parties when needs arise outside the scope of an ongoing financial plan. Such professionals may include: ●      Attorneys for legal services ●      Certified Public Accountants for tax services ●      Insurance professionals for policy implementation ●      Estate planning specialists ●      Other financial professionals as needed Referral Process When making professional referrals, the Advisor: ●      Conducts reasonable due diligence on referred professionals ●      Considers the professional's qualifications and expertise ●      Evaluates their service quality and reputation ●      Reviews their fee structure and business practices ●      Assesses their compatibility with Client needs The Advisor maintains relationships with multiple professionals in each service category to provide options that align with varying Client preferences and circumstances. Client Consent The Client understands and agrees that: All referrals are provided solely as a convenience to the Client The Client is under no obligation to engage referred professionals The Client maintains complete discretion in selecting professional service providers The Advisor receives no compensation for making referrals The Client is responsible for evaluating referred professionals' qualifications Liability Limitations The Advisor assumes no responsibility or liability for: Services provided by referred professionals Advice given by other service providers Outcomes of engaging referred professionals Quality of work performed by other professionals Fees charged by referred service providers Professional relationships established through referrals Coordination With Other Professionals While the Advisor will cooperate with other professionals engaged by the Client, the Advisor is not responsible for: ●      Implementing recommendations made by other professionals ●      Monitoring services provided by other professionals ●      Ensuring other professionals fulfill their obligations ●      Resolving disputes with other service providers ●      Coordinating between multiple service providers The Client authorizes the Advisor to share relevant financial information with other engaged professionals when necessary to provide effective service coordination.

Conflicts of Interest

The Advisor believes in full transparency regarding situations that may create potential conflicts between the Advisor's compensation and the Client's interests. The following scenarios require special attention and careful management: Retirement Account Rollovers When evaluating whether to recommend rolling over retirement assets from an employer plan to an IRA under the Advisor's management, a potential conflict exists because the Advisor would earn management fees on the IRA assets but not on assets remaining in the employer plan. The Advisor addresses this conflict by conducting a thorough analysis of the rollover decision, considering factors such as investment options, fees and expenses, services provided, protection from creditors, required minimum distributions, and the Client's overall financial circumstances. The Advisor will provide detailed documentation of this analysis and recommend maintaining assets in an employer plan when that option better serves the Client's interests. Debt Payment Versus Investment Decisions When considering whether available assets should be invested under the Advisor's management or used to pay down debt, a potential conflict exists because the Advisor would earn management fees on invested assets but not on assets used for debt reduction. The Advisor manages this conflict by performing a comprehensive evaluation of the Client's debt obligations, interest rates, investment opportunities, cash flow needs, and long-term financial objectives. The Advisor will recommend debt payment over investment whenever the analysis indicates this approach better serves the Client's financial interests, despite the impact on advisory fees. Portfolio Allocation Different investment strategies and asset allocations may result in varying levels of assets under management and therefore different advisory fees. The Advisor addresses this potential conflict by basing all allocation recommendations strictly on the Client's documented investment objectives, risk tolerance, and time horizon. The Advisor maintains detailed records demonstrating how each allocation recommendation aligns with the Client's investment policy statement and financial goals. Related Entity Services The Advisor maintains an affiliation with Tampa Tax Consulting, a separate entity providing tax services. A potential conflict exists because recommendations to use Tampa Tax Consulting's services may indirectly benefit the Advisor through shared ownership or business relationships. The Advisor addresses this conflict by maintaining strict operational separation between ongoing financial plan and tax services, providing multiple referral options for tax services, and requiring that any engagement with Tampa Tax Consulting be initiated directly by the Client. Clients are under no obligation to use Tampa Tax Consulting and may select any tax professional of their choosing without affecting their ongoing financial plan relationship with the Advisor. The Client acknowledges these potential conflicts and understands that the Advisor will provide a clear explanation of how any recommendation in these areas serves the Client's best interests, independent of its impact on advisory fees. The Client has the right to question any recommendation and seek independent professional advice before proceeding with implementation.

Other Terms and Conditions

Client Responsibilities The Client is responsible for providing the Advisor with information and/or documentation requested by the Advisor as it pertains to the Client’s objectives, needs, goals, and any other information in order for the Advisor to perform its duties under this Agreement. The Client is responsible for notifying the Advisor if the information provided changes or becomes inaccurate at any time. The Client acknowledges the Advisor is unable to perform services adequately for the Client unless the Client fulfills these responsibilities diligently. The Advisor will not be required to verify any information obtained from the Client, Client’s attorney, accountant or other professionals. Client Conflicts If this Agreement is with more than one individual client, our services shall be based upon the joint goals as communicated to us by the clients, collectively.  Advisor shall be permitted to rely upon instructions and/or information the Advisor received from either party, unless and until such reliance is revoked in writing. The Advisor shall not be responsible for any claims or damages resulting from such reliance or from any change in the status of the relationship between clients. Custody of Assets The Client’s Account(s) shall be established at an independent, third-party Qualified Custodian (the “Custodian”) as approved by Client. The Custodian shall hold Client’s assets and execute transactions in the Account(s). The Client understands that the Advisor shall not be responsible for any loss incurred by reason of any act or omission of the Custodian or any other party, to the extent permitted by law. The Custodian shall send confirmations and monthly or quarterly account statements to the Client. Such statements shall, at a minimum, include identification of the amount of funds and each security in the Client’s Account(s) at the end of the statement period and set forth all of the activity in the Account(s) during the period. It is highly recommended that the Client review the Account(s) statements provided by the Custodian and compare them against any supplementary reports provided by the Advisor or another third-party. Should the Client notice any discrepancies, fail to receive timely statements or have any questions, the Client should contact the Advisor immediately. Valuation All valuations will be performed by the Custodian and relied upon by Advisor.  No valuation shall be deemed a guarantee of any kind whatsoever with respect to the value of the assets of the Portfolio or any security. The Client will receive statements from the Custodian valuing the investment positions of the Portfolio on not less than a quarterly basis. Verbal Instructions Acceptable By the Client's execution of this Agreement, Client hereby provides express authorization in favor of Advisor which shall expressly permit and allow Advisor to act on the Client's verbal instructions, except that no trade or order instructions may be left on the Advisor’s voicemail. Instructions left on the Advisor’s voicemail will not be acted upon.   Nonexclusive Management The Client acknowledges that the Advisor and its access persons may have or take the same or similar positions in specific investments for their own accounts or for the accounts of other clients as the Advisor does for the Portfolio. The Client expressly acknowledges and understands that Advisor is free to render ongoing financial plan services to others and Advisor does not make its ongoing financial plan services available exclusively to the Client. Nothing in this Agreement imposes on Advisor any obligation to purchase, sell, or recommend for purchase or sale for the Portfolio any security that Advisor, its principals, affiliates, or employees, may purchase or sell for their own accounts or for the account of any other Client if, in the reasonable opinion of Advisor, such investment would be unsuitable for the Portfolio or if Advisor determines in the best interest of the Portfolio it would be impractical or undesirable. Voting Proxies The Advisor shall not vote for any proxies for securities purchased for the Client’s Portfolio. Assignment Neither party may assign this Agreement without the prior written consent of the other party. Limited Liability Except as may otherwise be provided by law, Advisor shall not be liable to Client for any loss that Client may suffer, except where such loss directly results from negligence or misconduct by Advisor or as is otherwise required by federal or state law; or any loss arising from Advisor’s adherence to Client’s instructions. Federal and state securities laws impose certain obligations on persons acting in good faith, and as such, nothing in this Agreement shall result in any waiver of any or all of the rights which the Client shall otherwise enjoy under the federal and state securities laws. Governing Law This Agreement shall be governed by and construed in accordance with the laws of the State of Florida except to the extent that the federal securities laws shall otherwise be controlling.

Venue In the event that any dispute shall arise by and between the parties, it is hereby agreed that any litigation, cause, suit, arbitration, mediation, or any other proceeding shall take place in Florida unless otherwise agreed to by the Advisor and the Client. Arbitration Any controversy or claim arising out of or relating to this Agreement or the breach thereof that cannot be settled through mediation or other individual means, may be settled by arbitration, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The Client understands that an agreement to arbitrate does not constitute a waiver of the right to seek a judicial forum. Should both Parties voluntarily agree to arbitration, arbitration is final and binding on the Parties. Risks Advisor does not guarantee the future performance of any specific securities or recommendations that the Advisor may recommend. The Client understands that investment recommendations and/or decisions are subject to various markets, currency, economic, political and business risks, and that any or all investment recommendations and/or decisions made by Advisor may not be profitable. Death or Disability The death, disability or incompetency of the Client will not terminate or change the terms of the Agreement. Following the death, disability or incompetency of the Client, the Client’s executor, guardian, attorney-in-fact or other legally authorized representative may terminate this Agreement by giving written notice to the Advisor. Electronic Communications and Notices Any notice given to a party in connection with this Agreement must be in writing and shall be effective upon receipt by the other party, if delivered to such party at either its mailing address or through email (at the email addresses provided in this Agreement or at a substitute email address provided by the respective party). The Client consents to electronic delivery of required disclosure documents, notices, and other communications by and to the Advisor. Note that if Client does not provide an email address, Client hereby consents to receive all notices in paper form. Client agrees to immediately notify Advisor of any changes to Client’s email address. The Client may revoke its consent to receive communications electronically at any time by notifying the Advisor. Capacity to Contract The Client represents that he/she is of legal age. If the Client is a corporation, partnership, limited liability company or other organization, the individual signing this Agreement further represents that he or she is authorized to do so. Miscellaneous All paragraph headings in this Agreement are for convenience of reference only, do not form part of this Agreement, and shall not affect in any way the meaning or interpretation of this Agreement. If any provision herein is or should become inconsistent with any present or future law, rule, or regulation of any governmental or regulatory body having jurisdiction over the subject matter of this Agreement, such provision shall be deemed to be rescinded or modified in accordance with any such law, rule or regulation. In all other respects, this Agreement shall continue and remain in full force and effect. No term or provision of this Agreement may be waived or modified unless in writing and signed by the party against whom such waiver or modification is sought to be enforced. This Agreement contains the entire understanding between Client and Advisor concerning the subject matter of this Agreement. To the extent that this Agreement is inconsistent with any other agreement between Advisor and Client, the provisions of this Agreement shall govern. Confidential Relationship Information received by the Advisor from the Client will be kept confidential by the Advisor in a manner consistent with applicable law and with the Advisor’s Privacy Policy. The Client acknowledges receipt of the Advisor’s Privacy Policy. The Advisor will provide a copy of the Advisor’s Privacy Policy annually or as required by law. Receipt of Form ADV The Client acknowledges and agrees to electronic receipt from the Advisor of a copy of the Advisor's Form ADV Parts 2A & 2B (“Disclosure Documents”). If the Disclosure Documents were not delivered to the Client at least 48 hours prior to the Client entering into this Agreement, the Client has the right to terminate this Agreement without penalty or fees within five (5) business days after entering into the Agreement. For the purposes of this provision, an agreement is considered entered into when all parties to the agreement have signed the agreement or any other provisions of this Agreement notwithstanding. The Client shall be provided with an updated Form ADV, Part 2A on an annual basis or with an offer for a copy and a summary of material changes. In addition, the Client shall receive ADV Part 2B when material changes occur. Advisor’s Form ADV Part 2, is also currently available on www.adviserinfo.sec.gov.

Ready to start your tax savings journey?

Take the first step toward stress-free tax savings. Our expert team is here to simplify the process, maximize your savings, and secure your financial future. Let’s get started today!

Disclaimer

© TaxAdvisor365 2025. All rights reserved.

Ready to start your tax savings journey?

Take the first step toward stress-free tax savings. Our expert team is here to simplify the process, maximize your savings, and secure your financial future. Let’s get started today!

Disclaimer

© TaxAdvisor365 2025. All rights reserved.

Ready to start your tax savings journey?

Take the first step toward stress-free tax savings. Our expert team is here to simplify the process, maximize your savings, and secure your financial future. Let’s get started today!

Disclaimer

© TaxAdvisor365 2025. All rights reserved.