Disclaimers Agreement

In this Disclaimer Agreement (“Agreement”), the terms “trguru.com” or “us” or “we” or “our” or “the site” refer to trguru.com, the owner of the Web site.  The term “you” or “your” refers to the viewer or user of our Web Site and the term “Services” refers to any and all services provided by us.

Please read the all of the following information carefully. You must understand and agree to every term and condition.

trguru.com (tguru) is a website that provides, but is not limited to, retirement planning education and resources, as well as various other financial literacy content and resources. The information contained in this site is provided for general information only and should not serve as a substitute for professional advice from either an investment adviser, a financial planner, or an investment broker familiar with the facts and circumstances of your specific situation. In fact, you are advised that you should consult competent professional counsel of your own selection regarding any retirement planning, financial planning, or investment related questions that you may have.  For more detailed information on any of the aforementioned professional relationships, or lack thereof, please continue reading the agreement.

No Investment Adviser or Financial Planner Relationship.

Information contained on or made available through the Site is not intended to and does not constitute financial planning advice, recommendations, mediation or counseling under any circumstance and no financial planner-client relationship is assumed or formed.  We do not warrant or guarantee the accurateness, completeness, adequacy or currency of the information contained in or linked to the Site, nor distributed by the site in any form.  Your use of information on the Site or materials linked to the Site or distributed by the site in any form is entirely at your own risk.  If you have specific financial planning questions, you should consult competent financial planning counsel to ensure the appropriateness, completeness, adequacy or currency of the information provided.  All information provided within the Site is for educational use only.

No Investment Advice or Broker/Investment Advisor-Client Relationship

Information contained on or made available through the Site is not intended to and does not constitute specific investment advice, recommendations, mediation or counseling under any circumstance and no broker/investment advisor-client relationship is assumed or formed.  We are not brokers, nor investment advisors, and do not represent ourselves as such. If you have specific investment questions, you should consult competent professional counsel to ensure the appropriateness, completeness, adequacy or currency of the information provided.  All information provided within the Site is for educational use only.

Organizational Tools, Analytical Tools, and Projections

Any and all organizational or analytical tools used in reference to or applied to any and all of your retirement planning education curriculum and subsequent plan organization process through the Site are deemed to be reliable, and all efforts will be made to ensure that the calculations and databases used are monitored and tested for accuracy on a regular basis. However, tguru does not warrant or guarantee the accuracy or completeness of the information with regard to the results to be obtained from its use.  Your use of the information or any and all tools or resources available on the Site or materials linked to the Site or distributed by the site in any form is entirely at your own risk. All investment growth projections used in the retirement planning process are either based on historical performance returns for specific asset classes or are entered by the user. These calculations show you what the value of your accounts or income payments might be if those returns are achieved. No representation is being made that specific investment results will be achieved or that your actual financial situation in retirement will be as forecasted in your retirement plan.

Investment Risk

This brief statement can not disclose all of the risks associated with investing in stocks, mutual funds, bonds or any other financial markets. In light of the risks, you should undertake such investments only if you understand the nature of the markets and/or investments into which you are entering and the extent of your exposure to risk. Investing in stocks, mutual funds, bonds or any other markets may not suitable for certain members of the public. You should carefully consider whether investing is appropriate for you in light of your experience, objectives, financial resources and other relevant circumstances.

tguru assumes no liability for your investing results.  You enter into any respective investment(s) knowing that the potential for investment losses exist.  If you are uncomfortable with these risks, you probably should not be investing.  Only “investment capital” (monies that are earmarked for long-term investment purposes) should be used for investment purposes.

Support our campaign on StartSomeGood.com

 

And Receive:

The web site accolades, free access to the premium version of the app, the one-year subscription to the newsletter, the retirement planning education, plus.... A 50-minute one-on-one retirement assessment and consultation with one of our Retirement Specialists (see our web page www.trguru.com for who they are and their bios). This meeting will focus on teaching you how to assess and manage your retirement planning with the help of the Retirement Tracker app. The first 250 who pledge will save $5 on this incentive! Just so you realize how much we love our backers, we want to point out that these consultations will cost $125 via the website. With everything you get at this level, this reward contains nearly $250 worth of services!

 

And Receive:

You get the aforementioned accolades, 1st access to the premium version of the app, the one-year subscription to the newsletter, plus.... You will also receive access to the beta version of "the Retirement Course", an online education course that will help you understand the various aspects of the retirement planning process and teach you how to maximize your use of the Retirement Tracker app. This course is being developed simultaneous to the app and will retail for $99 once released.

 

And Receive:

A bigger, heartier "Thank You!" from us, and a better mention on the Benefactors Page on our web site. PLUS... Free download of the app as soon as it hits the Apple Store, with all upgrades and premium features enabled. Also includes a one-year subscription ($20 value) to our bi-weekly retirement planning and economic commentary newsletter (24 issues), which will be delivered via the app.a.