Terms of Service
Professional advisory services agreement and terms
Last updated: December 2024
Agreement to Terms
By accessing and using TrustPoint Advisors services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
Services Provided
Financial Advisory
- Investment planning and portfolio management
- Retirement and estate planning
- Risk assessment and insurance analysis
- Tax planning strategies
Consultation Services
- One-on-one financial consultations
- Educational workshops and seminars
- Market analysis and research
- Ongoing portfolio monitoring
Client Responsibilities
Information Accuracy
Clients must provide accurate, complete, and current information about their financial situation, goals, and risk tolerance. Any material changes must be communicated promptly.
Decision Making
All investment decisions remain the client's responsibility. TrustPoint Advisors provides recommendations and guidance, but clients make the final decisions regarding their investments.
Fees and Payment
Fee Structure
- Asset-based fees: 0.75% - 1.25% annually on assets under management
- Hourly consultation: $300 - $500 per hour
- Financial planning projects: $2,500 - $10,000 depending on complexity
- Minimum account size: $250,000 for ongoing advisory services
Payment Terms
Fees are billed quarterly in advance. Payment is due within 30 days of invoice date. Late payments may result in service suspension and additional charges.
Disclaimers and Limitations
Investment Risk
All investments carry risk of loss. Past performance does not guarantee future results. Market conditions can change rapidly, affecting investment values.
No Guarantees
TrustPoint Advisors makes no guarantees regarding investment performance, tax outcomes, or achievement of financial goals. All projections are estimates based on current information.
Termination
Client Termination
Clients may terminate services at any time with 30 days written notice. Prepaid fees will be prorated and refunded.
Advisor Termination
TrustPoint Advisors may terminate services with 60 days notice or immediately for breach of agreement or non-payment.
Regulatory Compliance
TrustPoint Advisors is a registered investment advisor with the Securities and Exchange Commission (SEC). Our services are subject to federal and state securities laws and regulations.
SEC Registration: CRD# 123456
Form ADV: Available upon request and on the SEC's website
SIPC Protection: Client accounts are protected up to $500,000
Contact Information
For questions about these Terms of Service or our advisory agreement:
Email: [email protected]
Phone: (555) 123-4567
Mail: TrustPoint Advisors, Legal Department
123 Financial District, Suite 500
New York, NY 10004