Important Legal Information

By using or reading any part of this Internet site, downloading anything from it, or using any software available from the site, each user agrees to the following provisions as the "Agreement".

This Agreement is by and between the user and Financial Soundings LLC. Each business organization that is commonly controlled with or an affiliate of Financial Soundings LLC is an intended third-party beneficiary of this Agreement, and may enforce it as fully as Financial Soundings LLC could enforce it.

This Agreement refers to the user with "you" and "your", and refers to Financial Soundings LLC (or its affiliate) with "we", "us", and "our".

United States of America only

Our site is for users to obtain or evaluate our services, which relate only to the United States of America and usually are useful only for a person who or that is a citizen or resident of the United States.

User passwords

Some features of our site might be available only with the use of a username, password, code, or other identifying information. If you furnish or request any identifier, it's for your use only. You're responsible for keeping confidential your identifiers. You won't provide any of your identifiers to another person unless you intend him, her, or it to have authority to act as fully as you could. You're responsible for everything done (or not done) using the site with your identifiers. We're not responsible for any breach of security caused or facilitated by your failure to keep confidential all of your identifiers. If you become concerned about confidentiality, privacy, or security, you may ask us to disable one ore more of your identifiers. Although we usually don't want to make it inconvenient for you to do business with us, we may disable any of your identifiers, even without a reason, whenever we want to, and without notice.


Whenever you use our site, you consent to electronic and other means of recording of any communication that involves any use of the site, and you authorize us and our agents to keep and use all information and data that you input.


To read our privacy policy at, just click on this hyperlink.

No advice

We don't provide any accounting, actuarial, tax, or legal advice. We don't provide investment advice except as expressly provided by a separate written investment-advisory agreement.

About information

We provide information (but not advice, other than investment advice as described above). Any information is not a substitute for getting your own advice. Any information is only an overview, and can't consider your circumstances. For each text, you should look at the date on it. You should consider that applicable or relevant law could change at any time. Although it's in our business interests to update information, we don't have any obligation to do so. That a text names an author doesn't mean that the author has any duty to you. Further, by allowing his or her name to be used, an author doesn't allow you to rely on any text. We don't warrant the accuracy or completeness of any information. Tax information (if any) can't be used by any taxpayer to avoid any penalty. All examples are solely for illustration. Any characters or places portrayed are imaginary, and any resemblance to real-life persons or places is entirely coincidental and not intended.

About software

Any software that you may access through this site has only the warranty stated in it. We disclaim every other warranty or representation, express or implied. In particular, we disclaim any implied warranty of fitness for a particular purpose, even if we knew your purpose.

Internet links

An Internet source that doesn't have as part of its address isn't under our control. In addition to the conditions stated above, we're not responsible for outside information or your use of it. We provide links only as a convenience to you. That we provided a link doesn't suggest that we endorse the other source or anything about it.

Copyrights and trademarks

This site's information and services include intellectual property that we own or license. Financial Soundings, Bright Futures, Cornerstones, Retirement Planning Insights, and Insights are trademarks and service marks of us, and we register and use these marks throughout the United States of America. Every copyright in the site's pages, and in the screens displaying the pages, belongs to us, except as otherwise shown on or in the materials or as described by the next sentence. Our Cornerstones will and personal-planning documents, information about how to use them, and information about laws that relate to the documents and their use are the copyrights of Guidance Publishers, exclusively licensed to us.

You may use our information and intellectual property only for your own use in obtaining or evaluating our services. You may download or print a text if you limit your copying and use to these authorized purposes. However, you must not remove any copyright or trademark notices, or alter any text. Also, you must not download or reverse-engineer any software.

Avoiding infringement

We use reasonable methods to avoid infringing another person's copyright, trademark, or other intellectual-property right. If you believe that something we post or link to infringes another person's rights, please tell us about it; we remove an infringing display or link as soon as we know that the other person owns the rights.

Encrypted software

Software might include encryption methods that are subject to export-control laws. You must not export any software outside the United States or to any foreign person. A foreign person includes anyone who isn't a citizen, national, or lawful permanent resident of the United States.


You can't assign this Agreement. We may assign this Agreement to any person without your consent. This Agreement inures to the benefit of our successors and assigns, and is binding on your successors.

About this Agreement

This Agreement is in addition to, and doesn't impair or change, any other agreement you have with us. By using the site, you confirm that there is no unwritten understanding concerning your use of this site and its information and software.

Ending this Agreement

We may end this Agreement, without penalty, whenever we want to, without any reason, and without notice to you. You may end this Agreement simply by not using our site. But every provision of this Agreement that relieves us from liability or responsibility survives the end of this Agreement.

Governing law

This Agreement and all disputes and controversies concerning your use of our site are governed by and construed according to the internal laws of the State of Delaware without giving effect to any conflicts-of-law rules, applying each Delaware statute of limitations and every Delaware statute of repose.