Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Reduced Risk Retirement Solutions website (reducedrisk.biz) and services provided by Mike Goodin and Reduced Risk Retirement Solutions ("we," "us," or "our").

By accessing or using our website, requesting a consultation, or engaging our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.

2. Services Provided

Reduced Risk Retirement Solutions provides retirement planning, wealth protection, and financial advisory services, including but not limited to:

• Asset protection planning and strategies
• Estate planning coordination
• Federal and state pension planning
• Private pension planning and annuity services
• Long-term care insurance planning
• Medicare planning and guidance
• Roth conversion strategies
• Tax-efficient retirement income strategies

Services are provided in accordance with applicable state and federal regulations in California, Washington, Texas, Arizona, Colorado, and Nevada.

3. Licensing and Professional Standards

Mike Goodin is a licensed insurance agent in the following states:

• California - License #0F18934
• Washington - License #1078261
• Texas - License #2357269
• Arizona - License #8787626
• Colorado - License #8787626
• Nevada - License #3387322

All services are provided in accordance with the professional standards and regulations established by the respective state insurance departments and regulatory bodies. We maintain appropriate errors and omissions insurance coverage.

4. No Guarantees; Risk Disclosure

IMPORTANT: Financial planning and insurance services involve inherent risks and uncertainties. Past performance is not indicative of future results. No guarantee can be made that:

• Any specific financial goals will be achieved
• Investment or insurance products will perform as projected
• Strategies will be suitable for all market conditions
• Tax benefits will continue under future tax law changes
• Asset protection strategies will be effective in all circumstances

You acknowledge that all financial decisions involve risk, and you are responsible for understanding and accepting such risks before implementing any recommended strategies.

5. Client Responsibilities

As a client or prospective client, you agree to:

• Provide accurate, complete, and current information about your financial situation
• Promptly notify us of any material changes to your circumstances
• Review all documents and disclosures before signing or committing to any product or service
• Ask questions if you do not understand any recommendation or product feature
• Consult with tax, legal, and other professional advisors as appropriate
• Make your own independent decisions regarding financial products and strategies
• Maintain confidentiality of any login credentials or access information provided

6. Consultation Process

Initial consultations are provided at no charge and do not create a binding obligation for either party. During consultations:

• We will gather information about your financial situation and goals
• We may provide general education and recommendations
• We will discuss potential products and strategies that may be suitable
• You are under no obligation to purchase any product or engage our services

If you choose to proceed with recommended products or services, specific terms and disclosures will be provided through product applications, agreements, and prospectuses.

7. Fees and Compensation

Compensation may be received in various forms depending on the products and services provided:

• Commissions: We may receive commissions from insurance carriers and product providers when you purchase insurance products or annuities
• Fees: Certain planning services may involve advisory fees disclosed separately
• Ongoing Compensation: Some products provide ongoing trail commissions or service fees

All applicable fees and compensation will be disclosed in writing before you commit to any product or service. There are no hidden fees charged by our firm for consultations or recommendations.

8. Website Use and Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Reduced Risk Retirement Solutions or its content suppliers and is protected by U.S. and international copyright laws.

You may access and use the website for personal, non-commercial purposes only. You may not:

• Reproduce, distribute, or publicly display website content without permission
• Use automated systems (bots, scrapers) to access the website
• Attempt to gain unauthorized access to our systems or user accounts
• Interfere with the proper functioning of the website
• Use the website for any unlawful purpose

9. Privacy and Data Collection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our website or services, you consent to:

• Collection of personal information through website forms and consultations
• Use of cookies and tracking technologies (Google Analytics, Google Ads, Google Tag Manager)
• Storage and processing of your information in our CRM system (GoHighLevel)
• Email communications via Resend and marketing automation platforms
• Enhanced conversion tracking with hashed user data for advertising purposes

For complete details, please review our Privacy Policy.

10. Third-Party Links and Services

Our website may contain links to third-party websites, products, or services. We do not endorse or assume responsibility for any third-party sites, products, or services. Your use of third-party websites is at your own risk and subject to their terms and conditions.

11. Disclaimers and Limitation of Liability

11.1 Website Disclaimers

THE WEBSITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED ARE ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Accuracy, completeness, or timeliness of information on the website
• Uninterrupted or error-free operation of the website
• Fitness for a particular purpose or merchantability
• Non-infringement of intellectual property rights

11.2 Service Disclaimers

Information provided on this website or during consultations is for educational and informational purposes only and does not constitute:

• Legal, tax, or accounting advice (consult appropriate professionals)
• A guarantee of specific results or outcomes
• An offer to sell or solicitation to buy securities
• A comprehensive analysis of all available options

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, REDUCED RISK RETIREMENT SOLUTIONS AND MIKE GOODIN SHALL NOT BE LIABLE FOR:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from third-party products, services, or advice
• Investment losses or underperformance
• Tax consequences or changes in tax laws

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages, so the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Reduced Risk Retirement Solutions, Mike Goodin, and our affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your use of the website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any information or content you submit through the website

13. Arbitration and Dispute Resolution

Any disputes arising from or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

You agree to waive your right to a jury trial and to participate in class action lawsuits. Arbitration will be conducted in California unless otherwise mutually agreed.

This arbitration provision does not apply to disputes that may be taken to small claims court or regulatory complaints filed with state insurance departments.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Services provided in other states are subject to applicable state-specific regulations and requirements.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on the website with a new "Last Updated" date. Your continued use of the website or services after changes are posted constitutes acceptance of the modified Terms.

17. Termination

We reserve the right to terminate or suspend your access to the website at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

18. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Reduced Risk Retirement Solutions regarding your use of the website and services.

19. Contact Information

For questions or concerns about these Terms, please contact: