Privacy Policy & Disclaimers

Privacy Notice

Maintaining the trust and confidence of our clients is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of Retire With Swan (“RWS”).

Information We Collect

In connection with providing financial planning, investment advisory, and related services, we obtain non-public personal information about you, including:

• Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, financial goals, assets and income;
• Information about your transactions with us, our affiliates, or others;
• Information about your visits to our website. We store records of the activities on our sites in our web server logs, which automatically capture and save the information electronically. The information we collect helps us administer the site, analyze its usage, protect the website and its content from inappropriate use, and improve the user’s experience.
• Information received from credit or service bureaus or other third parties, such as your credit history or employment status.

Website Measurement

We use Google Analytics 4 in a restricted configuration to understand which pages are visited and whether visitors use certain website actions, such as opening the scheduling page, completing the Retirement Readiness Assessment, or confirming a Swan Fit Call booking. Analytics storage is denied by default, advertising features are disabled, and Global Privacy Control and Do Not Track signals are honored.

We do not intentionally send names, email addresses, phone numbers, financial information, individual assessment answers, assessment scores, or URL query strings in these measurement events. Google may process technical information, such as IP address and device or browser information, under its own privacy policy.

Categories of Information We Disclose

We may only disclose information that we collect in accordance with this policy. RWS does not sell customer lists and will not sell your name to telemarketers.

Categories of Parties to Whom We Disclose

We will not disclose information regarding you or your account at RWS, except under the following circumstances:

• To entities that perform services for us or function on our behalf, including qualified custodians, broker-dealers, investment companies, outside investment managers, payment processors, and other service providers;
• To consumer reporting agencies;
• To third parties who perform services or marketing, client resource management, or other parties to help manage your account on our behalf;
• To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
• To our attorneys, accountants, or auditors; and
• To government entities or other third parties in response to subpoenas or other legal processes as required by law or to comply with regulatory inquiries.

How We Use Information

Information may be used by companies that perform support services for us, such as data processors, client relationship management technology, technical systems consultants, programmers, and companies that help us communicate about our services, for purposes such as:

• To protect your accounts/non-public information from unauthorized access or identity theft;
• To process your requests and support advisory services, including securities transactions when authorized under an investment management agreement;
• To establish or maintain an account with an unaffiliated qualified custodian or other financial service provider serving you and/or RWS;
• To service your accounts, such as by issuing checks and account statements;
• To comply with Federal, State, and Self-Regulatory Organization requirements;
• To keep you informed about RWS services and financial-planning information that may interest you.

Regulation S-AM

Under Regulation S-AM, a registered investment adviser is prohibited from using eligibility information that it receives from an affiliate to make a marketing solicitation unless: (1) the potential marketing use of that information has been clearly, conspicuously and concisely disclosed to the consumer; (2) the consumer has been provided a reasonable opportunity and a simple method to opt out of receiving the marketing solicitations; and (3) the consumer has not opted out.

RWS does not receive information regarding marketing eligibility from affiliates to make solicitations.

SMS Privacy Policy

Retire With Swan may use SMS texting to communicate with you. Mobile opt-in information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. If you wish to be removed from receiving future communications, you can opt out by texting STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE.

Our Security Policy

We restrict access to nonpublic personal information about you to those individuals who need to know that information to provide products or services to you and perform their respective duties. We maintain physical, electronic, and procedural security measures to safeguard confidential client information.

Cyber Security

Internal policies and procedures are in place to address cyber security. A copy of this policy is available upon request.

Business Continuity and Succession

RWS is a solo-adviser practice, and client assets remain with the qualified custodian. If Christopher Swan becomes unable to provide services, RWS would use applicable legal, custodial, and regulatory procedures to protect records, notify clients, and support an orderly wind-down or transition. No unaffiliated person may provide advisory services or exercise authority over a client account unless properly registered and authorized. Any assignment of an advisory agreement requires the client's prior written consent.

Your Right to Opt Out

Federal privacy laws give you the right to restrict us from sharing your personal financial information. These laws balance your right to privacy with RWS’s need to provide information for normal business purposes. You have the right to opt out of sharing certain information with affiliated and unaffiliated companies of our firm.

Choosing to restrict the sharing of your personal financial information will not apply to (1) your information that we may share with companies that help promote and market our own products or products offered under a joint agreement with another company; (2) records of your transactions--such as your loan payments, credit card or debit card purchases, and checking and savings account statements--to firms that provide data processing and mailing services for our firm; (3) information about you in response to a court order; and (4) your payment history on loans and credit cards to credit bureaus.

If you opt out, you limit the extent to which RWS can provide your personal financial information to non-affiliated companies. You may opt out of the disclosure of nonpublic personal financial information to non-affiliates by contacting RWS at 940-373-5877.

Closed or Inactive Accounts

If you decide to close your account(s) or become an inactive customer, our Privacy Policy will continue to apply to you.

Complaint Notification

Please direct complaints to: Christopher Swan at Retire With Swan, 1821 Red Bud Trl, Northlake, TX 76247, Phone: 940-373-5877.

Changes to This Privacy Policy

If we make any substantial changes in the way we use or disseminate confidential information, we will notify you. If you have any questions concerning this Privacy Policy, please contact us at: Retire With Swan, 1821 Red Bud Trl, Northlake, TX 76247, Phone: 940-373-5877.

Disclaimer

Swan Capital Group, LLC, dba Retire With Swan (“RWS”), is a registered investment adviser in Texas and in other jurisdictions where exempt or otherwise permitted. Registration does not imply a certain level of skill or training. The information on this site is not individualized investment, tax, accounting, or legal advice, an offer or solicitation to buy or sell a security or advisory service, or an endorsement of any company, security, fund, or other offering.

This information should not be relied upon as the sole factor in an investment making decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site. The information on this site is provided “AS IS” and without warranties of any kind either express or implied.

To the fullest extent permissible pursuant to applicable laws, Retire With Swan disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose. RWS does not warrant that the information on this site will be free from error. Your use of the information is at your sole risk.

Under no circumstances shall RWS be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if RWS or a RWS authorized representative has been advised of the possibility of such damages.

Information contained on this site should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

Hyperlink Disclosure

The information being provided is strictly as a courtesy/convenience. When you link to any of the web sites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites.

Retire With Swan is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technology, web sites, information and programs made available through this website.

When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for use of the web sites you are visiting.

Retire With Swan does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Retire With Swan’s web site or incorporated herein, and takes no responsibility thereof.

Website Content

All written content on the Retire With Swan website is for informational purposes only. Opinions expressed herein are solely those of Retire With Swan, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.

This website may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other websites.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Swan Capital Group, LLC, dba Retire With Swan and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Financial-planning and investment-advisory services are offered by RWS only under a written agreement and after delivery of required disclosures. RWS and its supervised persons are paid by clients and do not receive commissions, trailing commissions, 12b-1 fees, referral fees, or other compensation from the sale of investment, insurance, or annuity products.

RWS can provide advice about insurance needs and other risk-management considerations and can coordinate with a client's outside insurance professional. RWS does not sell insurance or annuity products. Any insurance or annuity guarantee is subject to the claims-paying ability of the issuing insurer, and product terms, costs, surrender charges, liquidity limits, and tax consequences should be reviewed before implementation.

RWS's standard ongoing advisory fees are flat and are not calculated as a percentage of client assets. Exact services, fees, billing methods, and termination terms are stated in the applicable advisory agreement and described in RWS's current Form ADV brochure.

Investing involves risk, including possible loss of principal. Past performance does not predict future results. Consult the appropriate tax or legal professional for tax or legal advice.