Terms & Conditions

401k-Guidance.com is sponsored by Gary Goldberg & Company, Inc. a Registered Broker Dealer, member FINRA & SIPC, as well as Gary Goldberg Planning Services, Inc, a Registered Investment Advisory Firm, jointly known under the marketing names Gary Goldberg Financial Services and GGFS.

GGFS publishes the content of this website for marketing purposes only. Nothing on this website constitutes legal advice, investment advice or tax advice, all of which can only be obtained as a result of a personal consultation with a qualified professional. The information contained here is believed to be accurate at the time of publication and posting, but is subject to change and does not purport to be a complete statement of all relevant issues.

Before making any investment decisions, carefully consider your and the potential investment vehicles objectives, risk factors and charges and expenses before investing. Investing involves risk and possible loss of principal. Diversification may not protect against market risk. Unless specifically indicated, none of the investments discussed are FDIC Insured and may lose money.

The content of this website and associated publications are the sole property of Gary Goldberg Financial Services.

Introduction.  The following terms and conditions govern your use of this website (401k-Guidance.com).  Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions.  If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.   

This website presents information and content that is owned or licensed by Gary Goldberg Financial Services and its subsidiaries and affiliates. When used in these Terms and Conditions, "we" and "our" mean GGFS and “you” and “your” refers to any individual, company, or legal entity that

Do Not Rely on This Website for Your Financial Decisions.  The Content on this website is for convenience and information purposes only.  You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions.  Nothing on this website constitutes an offer to sell or buy any product.  Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice.  The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Ownership and Use of Content.  All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by GGFS.  The Content is protected worldwide by applicable intellectual property laws.   You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices.  GGFS reserves the right to terminate at any time your right to make personal copies of Content.  You must obtain GGFS’s prior written consent (if we agree) before you use the Content on any other website or in a networked computer environment for any purpose, or before you republish or redistribute  the Content, or otherwise use the Content for any purpose other than your personal, non-commercial use.  You may not frame the Content within another website.  Except for the limited use rights expressly provided

NO WARRANTY.  Your use of this website and Content is at your own risk.  We strive to provide accurate and up-to-date material on this website.  However, we make no warranties or representations as to the accuracy or timeliness of the Content.  Content may become inaccurate as a result of developments after its publication on this website.  GGFS assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content.  The Content on this website and the operation of it are provided “as is” and GGFS disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness.  Certain jurisdictions may not permit certain disclaimers of warranties.  In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Governing Law.  These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States, without giving effect to conflict of law principles thereof.

United States Only.  The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject GGFS to any registration requirement within such jurisdiction or country.  Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations.  Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law.