Terms of Service

By visiting this website, submitting a form or booking a call, you agree to these terms and to our Privacy Policy. If you do not agree with them, please do not use the site or book a call. If you are accepting on behalf of a business, trust or plan, you confirm you are authorised to do so.

Everything on this site, in our videos and in an initial consultation call is general and educational. It is not personalised investment, financial, tax, legal, accounting or insurance advice, and it is not an offer or solicitation to buy or sell any security or insurance product. No advisory relationship is created by browsing this site, submitting a form or attending an introductory call. An advisory relationship begins only when a written advisory agreement is signed by both parties and our Form ADV Part 2 disclosure brochure has been delivered to you.

Investing involves risk, including the possible loss of principal. No return, income level, tax outcome or financial result is promised or guaranteed by anything on this site or said on a call. Any figures, examples or illustrations are hypothetical and for explanation only. Past performance is not indicative of, and does not guarantee, future results. Fixed and fixed indexed annuities are issued by licensed insurance carriers, are not FDIC insured, may lose value, and any guarantees depend solely on the claims-paying ability of the issuing carrier. Registration as an investment advisor does not imply any particular level of skill or training.

You must be at least 18 years old and a resident of the United States to use this site or book a call. Our advisory services are offered in the states where Rowe Consulting Group, LLC is registered or notice filed — California, Illinois and Tennessee — or where an applicable exemption from registration permits. Our consultation calls are designed for households with roughly $250,000 or more in investable assets, and our ongoing portfolio management engagements generally begin around $1 million; these are guidelines for fit, not contractual requirements, and we will tell you honestly if we are not the right firm for you. Conversations are conducted in English.

You agree that the information you submit is accurate, complete and your own, and that you will update us if it changes. Inaccurate information may lead to unsuitable general guidance or a cancelled appointment. By providing your email address and phone number you permit Rowe Consulting Group and its authorised representatives to contact you by email, phone call and text message about your enquiry and appointment, including through automated technology; message and data rates may apply and you may reply STOP at any time to end texts. Consent to marketing contact is never a condition of receiving advice.

Appointments are booked through our scheduler and require at least 1 day of notice. Calls run approximately 45 minutes and are held on Zoom unless we agree otherwise. Please reschedule or cancel using the link in your confirmation email as early as you can — at minimum 24 hours before the start time — so the slot can be offered to someone else. If you do not join within 10 minutes of the start time we may treat the appointment as a no-show and release it; repeated no-shows may mean we decline further bookings.

Calls may be recorded or transcribed for quality, training, accuracy of notes and regulatory recordkeeping. Where recording takes place we will tell you at the start of the call and you may decline, in which case the call continues without recording. Recordings are handled in line with our Privacy Policy.

You may not use this site to submit false, misleading or third-party information without permission; to interfere with, overload, probe or attempt to gain unauthorised access to the site or its systems; to scrape, copy, republish or resell our content, videos or materials; to introduce malware; to impersonate anyone; or to use the site for any unlawful, harassing or fraudulent purpose. All content, branding, videos and materials on this site remain the property of Rowe Consulting Group, LLC or its licensors.

This site relies on third-party tools, including our scheduling provider, calendar and email platforms, video conferencing provider, form and video hosting tools, and advertising and analytics platforms. Those services are governed by their own terms and privacy policies, and we are not responsible for their availability, content, security practices or acts and omissions. Links to other websites are provided for convenience and are not an endorsement.

The site and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement. We do not warrant that the site will be uninterrupted, timely, secure or error-free.

To the fullest extent permitted by law, Rowe Consulting Group, LLC and its members, officers, employees and representatives will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, data, goodwill or investment opportunity, arising out of or relating to your use of this site or of any free consultation call, whether based in contract, tort, negligence, strict liability or otherwise. Our total aggregate liability for all claims relating to this site or a free consultation call is limited to one hundred US dollars (US$100). Nothing in these terms limits or waives any right you have under the federal securities laws or any state securities law, or excludes liability that cannot lawfully be excluded.

You agree to indemnify, defend and hold harmless Rowe Consulting Group, LLC and its members, officers, employees and representatives from and against any claims, liabilities, damages, losses and reasonable costs, including legal fees, arising from your misuse of this site, your breach of these terms, your violation of any law or third-party right, or information you submit that is inaccurate or that you had no right to submit.

We may change, suspend or discontinue any part of this site at any time, and we may update these terms as our services or legal obligations change. The effective date at the top of the page shows the current version, and continuing to use the site after an update means you accept the revised terms. We may decline a booking or end your access to the site at any time, without notice, where we reasonably believe these terms have been breached or where a booking is not a genuine enquiry.

These terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws rules, and you and Rowe Consulting Group, LLC submit to the exclusive jurisdiction of the state and federal courts located in Williamson County, Tennessee, for any dispute that is not otherwise resolved. If any provision is found unenforceable, the rest remains in force.

Questions about these terms: Rowe Consulting Group, LLC, 1501 Bledsoe Ln, Franklin, TN 37067. Email david@roweconsultinggroup.com, phone (949) 275-3560. Our public regulatory record is available at adviserinfo.sec.gov under CRD #155611.