Terms & Conditions

Important Disclaimer

PGW Financial Advisors, LLC is a Registered Investment Advisor (“RIA”), located in the State of Florida. PGW provides investment advisory and related services for clients nationally. PGW will maintain all applicable registration and licenses as required by the various states in which Water Street conducts business, as applicable. Water Street renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Terms of Use

Please read these terms and conditions of use (“Terms”) carefully before using the website located at pgwfinancial.com (“Website”) or any of the information or services provided by PGW Financial, LLC in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by PGW Financial in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

PGW reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

These Terms were last updated on Dec 1,2024.

Risk Disclosure

Different types of investments involve varying degrees of risk. Therefore, it should not
be assumed that future performance of any specific investment or investment strategy
will be profitable.

Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about PGW and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. Water Street does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise PGW, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.

PGW will provide all prospective clients with a copy of our current Form ADV, Part 2A (“Disclosure Brochure”) and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us to request a free copy via .pdf or hardcopy.

Email Disclosures

PGW often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. PGW makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send PGW private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

Please note: PGW does not accept trading or money movement instructions via email.

As a registered investment advisor, PGW emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of PGW or the securities regulators.

If you have received an email from PGW in error, we ask that you contact the sender and destroy the email and its contents.

If you have any questions regarding our email policies, please Contact Us

Social Websites

PGW may utilize third-party websites, including social media websites, blogs and other interactive content. PGW considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, PGW generally retains copies of information that PGW or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of Water Street or the securities regulators.

Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by Water Street’s advisory persons after entering into an advisory agreement and provided Water Street with all requested background and account information.

If you have any questions regarding our policies, please Contact Us

1. Service Description

• PGW Financial offers a range of 401(k) advisory services, including plan design, employee education, compliance support, and plan performance reviews. Our role is to provide advisory assistance to help you create and manage retirement plans that align with regulatory standards.
• Please note, we do not manage or control any assets within your 401(k) plan. Our services are for advisory purposes only.

2. Client Responsibilities

• As a client, you are responsible for providing accurate and complete information necessary for our advisory services, such as company and employee data.
• PGW Financial’s advice is based on regulatory guidelines, but compliance remains your responsibility. We are here to assist, not to replace your obligations under the law.

3. Data Privacy and Security

• Your privacy is important to us. For information on how we collect, use, and safeguard your data, please see our Privacy Policy.
• Clients are expected to protect PGW Financial’s proprietary materials, tools, and reports provided as part of our services.

4. Third-Party Services

• PGW Financial may work with third-party providers to enhance our service offerings. These providers operate under strict confidentiality agreements to protect your information.
• However, PGW Financial is not liable for the actions, errors, or omissions of these independent providers.

5. Disclaimer of Warranties

• Our services are provided “as-is,” with no express or implied warranties, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose.
• While we aim for accuracy, we cannot guarantee the completeness or timeliness of the information provided. Our services are intended for general information only and do not substitute for legal or financial advice.

6. Limitation of Liability

• PGW Financial, its affiliates, employees, and agents are not liable for any damages arising from your use of our services. This includes, but is not limited to, financial losses or regulatory penalties related to non-compliance, or errors based on client-provided information.

7. Modifications to Terms

• PGW Financial reserves the right to modify these Terms and Conditions at any time. Changes will be posted on this page, and the updated date will reflect the latest revision.
• By continuing to use our services after changes are posted, you agree to the modified terms.

8. Governing Law and Jurisdiction

• These Terms and Conditions are governed by the laws of Tampa, Florida. Any disputes related to these terms or our services will be handled by the courts in Tampa, Florida.

Disclaimer

PGW Financial’s information and services are not substitutes for professional financial or legal advice. We advise clients to consult independent advisors for personal guidance. PGW Financial is not responsible for any decisions or actions taken based on our information. Investment performance is not guaranteed, and all investments involve risk.

Last Updated: 8th Nov 2024