Disclaimers

General Information Disclaimer

The information provided on this website and in our communications is for general informational and educational purposes only. It is not intended to be, and should not be construed as, personalized financial, investment, tax, or legal advice.

Every individual's financial situation is unique. Before making any financial decisions, you should consult with qualified professionals who can assess your specific circumstances, goals, and risk tolerance.

No content on this website creates a client-advisor relationship until you have executed a formal engagement agreement with TrussPoint Financial.

Investment and Financial Planning Disclaimer

No Guarantee of Results

All investment and financial planning strategies involve risk, including the potential loss of principal. There can be no assurance that any investment strategy, financial plan, or recommendation will be successful or achieve its objectives.

Past Performance

Past performance is not indicative of future results. Historical returns, expected returns, and probability projections are provided for informational purposes only and do not guarantee future performance. Investment returns and principal value will fluctuate, and investments may be worth more or less than original cost when redeemed.

Market Risk

The financial markets are subject to volatility and uncertainty. Economic conditions, geopolitical events, regulatory changes, and other factors beyond our control may significantly impact investment performance. We cannot predict or control market movements.

Individual Results May Vary

Case studies, examples, and testimonials presented on our website represent specific situations and may not be representative of your experience. Individual results will vary based on personal circumstances, market conditions, and the timing of financial decisions.

Insurance Disclaimer

Information about insurance products is provided for educational purposes and general awareness. Insurance recommendations require a thorough analysis of your individual needs, health status, financial situation, and other factors.

Insurance products are offered through licensed insurance agents. Policy terms, conditions, exclusions, and limitations vary by carrier and product. Coverage is subject to underwriting approval.

TrussPoint Financial may receive commissions or compensation from insurance carriers for policies you purchase. All compensation arrangements will be fully disclosed to you.

Tax and Legal Disclaimer

TrussPoint Financial does not provide tax or legal advice. While we may discuss tax considerations and legal structures as part of comprehensive financial planning, you should consult with a qualified tax professional or attorney for advice specific to your situation.

Tax laws and regulations are complex and subject to change. The tax implications of financial decisions depend on your individual circumstances and current tax law.

We recommend coordinating with your tax advisor and attorney when implementing financial strategies that may have tax or legal consequences.

Certified Financial Planner (CFP®) Disclosure

Michelle Schee is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® certification is granted by the Certified Financial Planner Board of Standards, Inc. ("CFP Board"). To attain the certification, candidates must complete education requirements, pass a comprehensive examination, meet experience requirements, and commit to the CFP Board's Code of Ethics and Standards of Conduct.

CFP® professionals are held to fiduciary standards when providing financial advice, meaning they are obligated to act in their clients' best interests.

Licensing and Registration

TrussPoint Financial and Michelle Schee, CFP® are licensed to provide financial planning and insurance services in the State of Texas only. We cannot provide services to residents of other states unless separately licensed in those jurisdictions.

If you reside outside of Texas, please verify our licensing status before engaging our services.

Third-Party Information and Links

Our website may contain links to third-party websites, reference third-party products or services, or include information from external sources. The inclusion of any link or reference does not constitute an endorsement or recommendation.

We are not responsible for the accuracy, completeness, or timeliness of information provided by third parties. Third-party websites and services are governed by their own terms and conditions and privacy policies.

We make reasonable efforts to ensure the accuracy of information on our website, but we cannot guarantee that all information is current, accurate, or complete. Information is subject to change without notice.

Forward-Looking Statements

Certain information on our website may contain forward-looking statements regarding future market conditions, economic trends, or investment performance. These statements are based on current expectations, estimates, and projections and involve known and unknown risks and uncertainties.

Actual results may differ materially from those expressed in forward-looking statements. We undertake no obligation to update forward-looking statements to reflect events or circumstances after the date they were made.

Accuracy of Information Provided

The quality of financial advice depends on the accuracy and completeness of the information you provide to us. You are responsible for providing accurate, current, and complete information about your financial situation, goals, and risk tolerance.

You should promptly notify us of any material changes in your financial situation, goals, or risk tolerance so that we can adjust our advice accordingly.

Conflicts of Interest

We strive to identify and manage conflicts of interest in accordance with our fiduciary duty. Material conflicts of interest will be disclosed to you in writing.

We may receive compensation from third parties (such as insurance companies or investment product providers) for products or services recommended to you. This compensation structure creates a potential conflict of interest, which we manage through full disclosure and our commitment to act in your best interest.

Testimonials and Endorsements

Client testimonials and reviews that may appear on our website or in marketing materials represent the experiences of those specific clients and may not be representative of the experience of other clients.

Testimonials are not a guarantee of future performance or success. Your individual experience may differ based on your circumstances, the services you engage, and market conditions.

Education and Retirement Account Disclaimers

Information about college savings plans (such as 529 plans) and retirement accounts is subject to specific plan rules, contribution limits, tax treatment, and other regulations that may change over time.

529 plans are subject to investment risk and may lose value. Tax benefits may vary based on state of residence. Before investing in a 529 plan, consider the investment objectives, risks, charges, and expenses in the plan's offering statement.

Retirement account rules, including contribution limits, distribution requirements, and tax treatment, are complex and subject to change. Early withdrawals may be subject to penalties and taxes.

Privacy and Security

While we employ security measures to protect your information, no system can guarantee absolute security. You are responsible for maintaining the confidentiality of your login credentials and for any activity that occurs under your account.

Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

Professional Limitations

Financial planning involves collaboration across multiple disciplines. While we coordinate with other professionals (such as attorneys, accountants, and insurance specialists), we do not provide services outside our area of expertise.

We cannot and do not provide medical advice, estate planning legal services, tax preparation services, or other specialized professional services outside the scope of financial planning.

Updates and Changes

These disclaimers may be updated from time to time without notice. The most current version will always be available on our website.

Financial regulations, tax laws, and industry best practices evolve over time. Information on our website may become outdated. We encourage you to verify current information before making financial decisions.

Questions and Concerns

If you have questions about any of these disclaimers or need clarification about the services we provide, please contact us before engaging our services or relying on any information provided.