Terms of Use

Terms of Use
Copy­right ©1996–2013 Edel­man Finan­cial Ser­vices LLC
All rights reserved.

Ric Edel­man is Chair­man and CEO of Edel­man Finan­cial Ser­vices LLC. He is also Pres­i­dent and Direc­tor of Sanders Mor­ris Har­ris Group. Ric is an Invest­ment Advi­sor Rep­re­sen­ta­tive and offers advi­sory ser­vices through EFS, an SEC-registered invest­ment advi­sor. EFS offers advi­sory ser­vices in all 50 states and Puerto Rico. As such, these ser­vices are strictly intended for indi­vid­u­als resid­ing in the United States. No offers may be made or accepted from any res­i­dent out­side the spe­cific states ref­er­enced. He is also a Reg­is­tered Rep­re­sen­ta­tive of and offers secu­ri­ties through Sanders Mor­ris Har­ris Inc., an affil­i­ated broker/dealer, mem­ber FINRA/SIPC.

IMPORTANT CONSUMER INFORMATION:
A broker-dealer, invest­ment advi­sor, BD agent, or IA rep­re­sen­ta­tive may only trans­act busi­ness in a state if first reg­is­tered, or is excluded or exempt from state broker-dealer, invest­ment advi­sor, BD agent or IA rep­re­sen­ta­tive reg­is­tra­tion require­ments, as appro­pri­ate. Follow-up, indi­vid­u­al­ized responses to per­sons in a state by such a firm or indi­vid­ual that involve either effect­ing or attempt­ing to effect trans­ac­tions in secu­ri­ties, or the ren­der­ing of per­son­al­ized invest­ment advice for com­pen­sa­tion, will not be made with­out first com­ply­ing with appro­pri­ate reg­is­tra­tion require­ment, or an applic­a­ble exemp­tion or exclu­sion. For infor­ma­tion con­cern­ing the licens­ing sta­tus or dis­ci­pli­nary his­tory of broker-dealer, invest­ment advi­sor, BD agent, or IA rep, a con­sumer should con­tact his or her state secu­ri­ties law administrator.

All mate­ri­als con­tained in this web site are pro­tected by United States copy­right law and may not be repro­duced, dis­trib­uted, trans­mit­ted, dis­played, pub­lished, or broad­cast with­out the prior writ­ten per­mis­sion of Edel­man Finan­cial Ser­vices LLC. You may not alter or remove any trade­mark, copy­right or other notice from copies of the content.

Ric Edel­man,” “Edel­man Finan­cial,” “Edel­man Finan­cial Ser­vices,” “The Truth About Money,” “Inside Per­sonal Finance with Ric Edel­man,” “The Edel­man Man­aged Asset Pro­gram,” “The Retire­ment InCome for Every­one Trust,” “RIC-E Trust,” and their respec­tive logos are trade­marks of Edel­man Finan­cial Ser­vices LLC. Addi­tion­ally, the names of other prod­ucts and ser­vices referred to on the site may be the trade­marks or ser­vice marks of their respec­tive own­ers. You may not use any trade­mark or ser­vice mark appear­ing on this web site with­out prior writ­ten con­sent of the owner.

Dis­claimer of War­ranties and Lia­bil­ity
You expressly agree that use of this web site is at your sole risk. This site is pro­vided on an ‘as is’ and ‘as avail­able’ basis. Edel­man Finan­cial expressly dis­claims all war­ranties of any kind, express or implied, includ­ing with­out lim­i­ta­tion any war­ranty of mer­chantabil­ity, fit­ness for a par­tic­u­lar pur­pose or non-infringement. Edel­man Finan­cial makes no war­ranty that this web site will meet your require­ments, or that this site will be unin­ter­rupted, timely, secure, or error free; nor does Edel­man Finan­cial make any war­ranty as to the results that may be obtained from the use of this site. Edel­man Finan­cial will not be liable for any direct, con­se­quen­tial or inci­den­tal dam­ages, whether fore­see­able or not, which may result from the unavail­abil­ity or mal­func­tion of this site.

You under­stand and agree that any mate­r­ial and/or data down­loaded or oth­er­wise obtained through the use of this web site is at your own dis­cre­tion and risk and that you will be solely respon­si­ble for any dam­age to your com­puter sys­tem or loss of data that results from the down­load of such mate­r­ial and/or data. Edel­man Finan­cial shall not be respon­si­ble for any loss or dam­age caused, or alleged to have been caused, directly or indi­rectly, by the infor­ma­tion or ideas con­tained, sug­gested or ref­er­enced in this ser­vice. No advice or infor­ma­tion, whether oral or writ­ten, obtained by you from Edel­man Finan­cial or through this web site shall cre­ate any war­ranty not expressly made herein.

You under­stand and agree that Edel­man Finan­cial does not guar­an­tee the accu­racy or com­plete­ness of any infor­ma­tion in or pro­vided in con­nec­tion with RicEdelman.com, EdelmanFinancial.com, EMAPadvisor.com, EMAPinvestor.com, rescue.ricedelman.com or RICEtrust.com. Edel­man Finan­cial is not respon­si­ble for any errors or omis­sions or for the results obtained from the use of such infor­ma­tion. The infor­ma­tion is pro­vided with the under­stand­ing that nei­ther Edel­man Finan­cial nor its users, while such users are par­tic­i­pat­ing in RicEdelman.com, EdelmanFinancial.com, EMAPadvisor.com, EMAPinvestor.com, rescue.ricedelman.com or RICEtrust.com are engaged in ren­der­ing per­son­al­ized invest­ment, finan­cial plan­ning, account­ing, legal, or other pro­fes­sional ser­vices or advice. Edel­man Finan­cial encour­ages you to seek advice from an appro­pri­ate per­sonal finance and/or invest­ment pro­fes­sional before mak­ing invest­ment decisions.

You under­stand and agree that pre­sen­ta­tion of any per­for­mance data is not meant to imply that sim­i­lar results will be achieved in the future. Rather, past per­for­mance does not guar­an­tee future results. The data is pro­vided merely for illus­tra­tive and dis­cus­sion pur­poses. Per­for­mance data using a wide vari­ety of time peri­ods is pro­vided. Rather than focus­ing on the spe­cific time peri­ods used or the results derived, the reader should focus instead on the under­ly­ing principles.

You under­stand and agree that none of the mate­r­ial pre­sented here is intended to serve as the basis for any finan­cial deci­sion, nor does any of the infor­ma­tion con­tained within RicEdelman.com, EdelmanFinancial.com, EMAPadvisor.com, EMAPinvestor.com, rescue.ricedelman.com or RICEtrust.com con­sti­tute an offer to buy, sell, or hold any secu­rity. Such an offer is made only by prospec­tus, which you should read care­fully before invest­ing or send­ing money.

You under­stand and agree that the mate­r­ial pre­sented is accu­rate to the best of our knowl­edge. How­ever, per­for­mance data changes over time, and laws fre­quently change as well, and our advice could change accord­ingly. There­fore, the reader is encour­aged to ver­ify the sta­tus of such infor­ma­tion before acting.

You under­stand and agree that any resem­blance to any per­son or per­sons, liv­ing or dead, is purely coincidental.

Edel­man Finan­cial is not respon­si­ble for the con­tent on the inter­net or web pages out­side Edel­man Finan­cial sites. As a con­ve­nience to our users, we may pro­vide links to resources which are beyond our con­trol. We make no rep­re­sen­ta­tions as to the qual­ity, suit­abil­ity, func­tion­al­ity, or legal­ity of any sites to which we may pro­vide links, and you hereby waive any claim you might have against Edel­man Finan­cial with respect to such sites.

Edel­man Finan­cial shall not be liable for any direct, indi­rect, inci­den­tal, spe­cial or con­se­quen­tial dam­ages, result­ing from the use or the inabil­ity to use RicEdelman.com, EdelmanFinancial.com, EMAPadvisor.com, EMAPinvestor.com, rescue.ricedelman.com or RICEtrust.com or for the cost of pro­cure­ment of sub­sti­tute goods and ser­vices or result­ing from any goods or ser­vices pur­chased or obtained or mes­sages received or trans­ac­tions entered into through RicEdelman.com, EdelmanFinancial.com, EMAPadvisor.com, EMAPinvestor.com, rescue.ricedelman.com or RICEtrust.com or result­ing from unau­tho­rized access to or alter­ation of your trans­mis­sions or data, includ­ing but not lim­ited to, dam­ages for loss of prof­its, use, data or other intan­gi­ble, even if Edel­man Finan­cial has been advised of the pos­si­bil­ity of such damages.