Terms & Conditions

Terms & Conditions

PGW FINANCIAL LLC
Last Updated: April 2025

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 to clients nationally and maintains all applicable registrations and licenses as required by the states in which it operates. PGW renders individualized responses to persons in a particular state only after complying with all regulatory requirements or pursuant to applicable state exemptions or exclusions.

Terms of Use

Please read these Terms and Conditions of Use (“Terms”) carefully before using the website located at https://www.pgwfinancial.com (“Website”) or any of the services provided by PGW Financial Advisors, LLC (“PGW,” “we,” “us,” or “our”). By using the Website, you accept and agree to be legally bound by these Terms. If you do not agree, you are not authorized to access the Website or use any related services and should discontinue use immediately.

We reserve the right to change or modify these Terms at any time. Any updates will be posted on this page and are effective immediately. By continuing to use the Website, you accept any changes made.

Risk Disclosure

Investments involve varying levels of risk. There is no guarantee that any specific investment or strategy will be profitable or protect against loss. While asset allocation can be used to manage risk, it does not ensure success.

Information provided on this Website is general in nature and should not be considered investment advice. The content is intended to help users understand our firm’s philosophy, approach, and services.

Market data and articles published here are believed to be reliable but are not guaranteed for accuracy. We are not liable for decisions made based on this information.

Clients are responsible for informing PGW in writing of any changes to their financial situation, investment objectives, or requested restrictions to help us provide the most appropriate guidance.

PGW will provide all prospective clients with a current Form ADV, Part 2A (“Disclosure Brochure”) and relevant Brochure Supplements. These can be accessed at http://adviserinfo.sec.gov or provided by us upon request.

Email Disclosures

We frequently communicate with clients via email. Although we take measures to protect privacy, email is not a secure medium for transmitting sensitive data. Please avoid sending personal or financial information via email.

PGW does not accept trade or money transfer instructions via email.

All emails may be reviewed by our Chief Compliance Officer or regulators, as required.

If you receive an email from us in error, please notify the sender and delete it.

Social Media and Third-Party Sites

PGW may engage with users on third-party platforms including social media, blogs, and forums. All such content is considered advertising under applicable securities laws and may be monitored or archived.

Content on these platforms is for informational purposes only and is not investment advice. Advisory services are offered only through signed advisory agreements and only after proper background information is received.

1. Service Description

PGW Financial offers advisory services focused on 401(k) plan design, education, compliance, and performance reviews. We do not manage or control assets in your plan — our role is strictly advisory.

2. Client Responsibilities

Clients must provide accurate and complete information necessary to deliver our services. While PGW provides recommendations based on applicable laws, ultimate compliance remains the client’s responsibility.

3. Data Privacy and Security

We take data privacy seriously. To understand how we collect, use, and safeguard your information, please refer to our Privacy Policy.

Clients are responsible for protecting proprietary reports or materials we may provide.

4. Third-Party Services

PGW may collaborate with third-party service providers to support our offerings. These providers operate under strict confidentiality agreements. However, we are not liable for their actions, omissions, or errors.

5. Disclaimer of Warranties

All services are provided “as-is,” without express or implied warranties of any kind. This includes, but is not limited to, warranties of merchantability or fitness for a particular purpose.

We strive to provide accurate and timely content but do not guarantee its completeness or reliability. Our services are for informational use only and do not replace professional legal or financial counsel.

6. Limitation of Liability

PGW Financial and its affiliates, employees, and agents are not liable for damages resulting from your use of our services. This includes financial losses, regulatory penalties, or consequences of relying on inaccurate or incomplete client-provided information.

7. Modifications to Terms

We reserve the right to modify these Terms at any time. Updates will be reflected on this page with the most recent date shown above. Continued use of our services constitutes acceptance of any changes.

8. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida. Any legal action related to these Terms must be filed in a court of competent jurisdiction in Tampa, Florida.

SMS Terms of Service (A2P 10DLC Compliance)

Program Name

PGW Financial Alerts

Program Description

By opting in to PGW Financial Alerts, you agree to receive SMS messages related to your inquiries, service updates, and account-related communications. These messages are informational in nature and tailored to your engagement with PGW Financial.

Opt-Out Instructions

To unsubscribe, text STOP to our number. You’ll receive a final message confirming your opt-out. After this, you will no longer receive SMS messages from us.

Rejoining Instructions

To rejoin, simply fill out our contact form or opt-in again through any PGW communication platform.

Help Instructions

Need help? Text HELP for assistance or contact us at:
📧 [email protected]
📞 (727) 692-5866

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message and Data Rates Disclaimer

Message and data rates may apply. Message frequency may vary depending on your engagement with PGW.

Privacy Link

View our full Privacy Policy: https://www.pgwfinancial.com/privacy-policy

Compliance Notice

PGW Financial complies with all applicable regulations, including industry standards, CTIA messaging guidelines, and federal/state securities regulations.

Final Disclaimer

Information provided by PGW Financial Advisors, LLC does not constitute personalized legal or financial advice. All investments involve risk. Clients are advised to consult their own legal and financial advisors before making investment decisions.