Effective Date: February 2, 2026
These Terms & Conditions ("Terms") govern your use of this website and any services, consultations, tools, resources, or communications provided by Financial Empowerment Services ("FES," "we," "our," or "us"). By accessing this site, booking a discovery call, submitting information, or using any services, you agree to be bound by these Terms.
1. No Professional Advice
All content provided on this website is for educational and informational purposes only. Nothing on this site constitutes:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- Medical advice
- Insurance advice
You acknowledge that any decisions you make based on information from this website or FES representatives are made at your own discretion and risk. You should consult licensed professionals (financial advisors, CPAs, attorneys, physicians, insurance professionals) before making financial, legal, medical, tax, or investment decisions.
2. No Client Relationship
Use of this website or participation in discovery calls, assessments, evaluations, or strategy sessions does not create a client, advisor-client, fiduciary, or professional relationship unless and until a formal written agreement is executed.
3. Results Not Guaranteed
All examples, testimonials, case studies, savings estimates, and outcomes described on this website are illustrative only. Results vary by individual and business circumstances. No specific financial, tax, health, savings, or investment outcome is guaranteed.
4. PHI and Healthcare-Related Services Disclaimer
Preventative Health Initiative (PHI) strategies and healthcare-related services are:
- Not insurance policies
- Not substitutes for major medical insurance
- Not guarantees of tax savings
Tax benefits, FICA savings, and compliance outcomes depend on individual business structure, employee participation, regulatory interpretation, and implementation accuracy. FES does not provide legal or tax certification. All PHI-related implementations should be reviewed by your CPA, tax attorney, or compliance advisor.
5. Living Benefits & Insurance Disclaimer
Living benefits plans, whole life insurance, supplemental insurance, and ancillary benefits:
- Are subject to underwriting
- Are subject to carrier approval
- Are governed by carrier policy terms
- May vary by state, provider, and individual eligibility
FES does not guarantee coverage approval, payout amounts, or claim outcomes. Policy terms, exclusions, waiting periods, and benefit triggers are determined solely by the issuing carrier.
6. Marketing Strategy & Event Services
Marketing strategy, branding, and event services are advisory and execution-based services only. FES does not guarantee:
- Event attendance
- Fundraising performance
- Revenue outcomes
- Lead generation results
- Marketing ROI
Success depends on market conditions, client execution, audience response, and external variables.
7. Wealth Accumulation & Asset Strategy
All wealth accumulation, asset protection, and financial strategy services are educational in nature. FES does not act as a registered investment advisor (RIA) unless explicitly stated in writing through licensed partners.
8. Limitation of Liability
To the maximum extent permitted by law, FES shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
- Use of this website
- Reliance on content
- Participation in services
- Decisions made based on information provided
9. Third-Party Services
FES may connect users to third-party providers (insurance carriers, custodians, payroll services, healthcare vendors, metals dealers, compliance partners, marketing vendors, etc.). FES is not responsible for:
- Third-party performance
- Third-party compliance
- Third-party outcomes
- Third-party representations
10. Intellectual Property
All content, branding, frameworks, language, designs, and materials are property of Financial Empowerment Services and may not be copied, reproduced, or redistributed without written permission.
11. Modifications
FES reserves the right to modify these Terms at any time without notice. Continued use of the website constitutes acceptance of updated Terms.