THIS AGREEMENT between University Financial Strategies, LLC. ("Adviser") and the Client, is in effect from the time Adviser receives and accepts a copy of this Agreement executed by the Client. By signing this Agreement, the Client acknowledges engaging the Adviser to provide financial planning services to the client.
1.Appointment as Investment Adviser: The Client hereby retains the Adviser and the Adviser hereby agrees to provide financial planning services to the client in accordance with the terms and conditions set forth below.
We provide financial planning services on topics such as retirement planning, risk management, college savings, cash flow, debt management, work benefits, and estate and incapacity planning.
Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they affect and are affected by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives.
We may provide seminars on an “as announced” basis for groups seeking general advice on investments and other areas of personal finance. The content of these seminars will vary depending upon the needs of the attendees. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any individual’s person’s need, nor does University Financial Strategies, LLC provide individualized investment advice to attendees during these seminars.
2.Fiduciary Statement: In order to protect the interests of the plan participants and beneficiaries, IRA owners, and plan fiduciaries, University Financial Strategies, LLC. acknowledges fiduciary status for itself and its Advisers. University Financial Strategies, LLC. and its Advisers adhere to basic standards of impartial conduct. In particular, under this principles-based approach, University Financial Strategies, LLC. and its advisers give prudent advice that is in the customer’s best interest, avoid misleading statements, and receive no more than reasonable compensation.
4. Code of Ethics Client acknowledges that Adviser has made Client aware that Adviser has a Code of Ethics, which is described on Adviser’s Form ADV, Part 2, and which will be provided to Client upon request.
5. Fees: The fees for services under this Agreement shall be agreed upon in the executed financial planning agreement between the Client, and the Adviser. The fees shall be calculated and paid in accordance with the rate and payment terms and conditions set forth in the attached fee schedule. (Schedule A).
6. Account Statements: Client hereby provides his/her express understanding that Adviser shall not have any responsibility to directly disseminate account statements.
7. Electronic Communications Acceptable: The Client consents to electronic delivery of required disclosure documents and other communications by the Adviser. Such consent will remain effective unless revoked by the Client. The Adviser may transmit information by email in text, PDF, Microsoft Word, or other formats that can be readily viewed, printed, and saved. The Client has provided the Adviser with one or more valid email addresses that the Adviser may use to communicate with the Client. The Client may revoke its consent to receive communications electronically at any time by notifying the Adviser.