Privacy Policy & Disclaimers

Last Updated: April 21, 2026

Why This Page Exists

If you've trusted us with personal information — or you're thinking about it — you deserve to know exactly what we do with it. This page covers two things: how Retire With Swan handles your data (the Privacy Policy), and the disclosures we're required to publish as a registered investment advisor and independent insurance agent (the Disclaimers). We've written it in plain English wherever the law allows. If anything here is unclear, call us at 940-373-5877 or email us at the address on our contact page. We'd rather answer the question than leave you guessing.

About Retire With Swan

Retire With Swan ("RWS," "we," "us") is a solo registered investment advisor based in Northlake, Texas. We are registered as an investment advisor in the State of Texas and serve clients in other jurisdictions where we are exempted or notice-filed. Registration does not imply a certain level of skill or training. Investment advisory services are provided through Retire With Swan. Insurance products are offered separately through Christopher Swan as a licensed independent life and annuity agent in Texas. These are two distinct capacities and are compensated differently. Full fee and compensation details are on our How I'm Paid page.

Privacy Policy

Information We Collect

We collect non-public personal information in a few different ways: Information you give us directly. This includes anything you share through account applications, planning questionnaires, meeting intake forms, the Swan Fit Call booking form, our contact forms, or direct conversations with us. Depending on the context, this may include your name, contact information, date of birth, Social Security number, household information, employer and income data, financial goals, and details about your assets and liabilities. Information from your accounts and transactions. This includes records of the work we do together — planning deliverables, transaction history at your custodian, insurance applications, and communications between us. Information from your use of this website. When you visit retirewithswan.com, our systems automatically log standard web information (IP address, browser type, pages visited, referring site, timestamps). We also use cookies and standard analytics tools to understand how the site is used and to improve it. More on this in the Cookies & Website Analytics section below. Information from third parties. With your authorization or where permitted by law, we may receive information from your custodian, insurance carriers, credit reporting agencies, employer retirement plans, or other financial institutions you direct us to work with.

How We Use Your Information

We use your information to do the work you hired us to do and to meet our legal obligations — nothing else. Specifically: To build, deliver, and maintain your retirement plan and investment strategy To open and service accounts with your qualified custodian and, where applicable, insurance carriers To communicate with you about your plan, your accounts, and relevant financial topics To protect your accounts and non-public information from unauthorized access To comply with federal, state, and self-regulatory requirements To maintain the business records we're required to keep as a registered investment advisor

Who We Share Your Information With

We do not sell your information. We do not rent it. We do not share it with marketers or data brokers. Full stop. We do share information with a limited set of parties, and only when necessary to serve you: Your qualified custodian, to open, fund, and service your accounts Financial planning and portfolio management software providers, to build and maintain your plan Client relationship and communication platforms, to schedule, meet, and correspond with you Insurance carriers, when you are purchasing or holding an insurance or annuity product through us Our attorneys, accountants, and auditors, when required to operate the business or respond to a professional inquiry Regulators, law enforcement, and courts, in response to subpoenas, regulatory examinations, or other legal processes Anyone you authorize us to share with in writing — for example, your CPA, estate attorney, or adult children Each of these parties is bound by its own confidentiality obligations, and we share only the information needed for the specific purpose. Regulation S-AM. RWS does not receive marketing-eligibility information from affiliates, and we do not use affiliate information for marketing solicitations.

How We Protect Your Information

We restrict access to non-public personal information to the people who need it to serve you. We maintain physical, electronic, and procedural safeguards appropriate to the size of our practice, and we follow a documented cybersecurity policy — a copy of which is available on request. We retain client records for the periods required by federal and state investment advisor recordkeeping rules (generally at least five years from the end of the fiscal year in which the record was created, and longer where required).

Cookies & Website Analytics

Our website uses cookies and standard analytics tools to understand visitor behavior and improve the site experience. This may include: Session cookies that make the site function correctly Analytics cookies that measure page visits, referral sources, and general usage patterns Marketing pixels that help us measure the effectiveness of our content You can disable cookies in your browser settings. Doing so may limit some site functionality but will not affect your ability to work with us. We do not use website analytics to identify you personally or to combine your browsing data with your client file.

SMS Communications

Retire With Swan may use SMS texting to communicate with you. Your mobile opt-in information and consent will not be shared with third parties or affiliates for marketing or promotional purposes. This exclusion applies even where other categories of data disclosure are permitted under this policy. If you wish to stop receiving text messages, reply with STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE to any message from us. Message and data rates may apply.

Email Communications

If you subscribe to our insights, receive client communications, or are sent marketing content from us, every email will include an unsubscribe link. You can opt out of marketing email at any time while continuing to receive operational client communications (meeting confirmations, document requests, service notices).

Your Privacy Rights

Federal opt-out rights. You have the right to restrict us from sharing certain categories of your personal financial information with non-affiliated companies. To exercise this right, call us at 940-373-5877. Certain categories of sharing — including sharing with service providers, response to court orders, and payment-history reporting to credit bureaus — cannot be opted out of under federal law. State "opt-in" jurisdictions. If you reside in a state that requires affirmative consent before we share your information with non-affiliated third parties who are not servicing your account (e.g., California, Massachusetts, Maine, Alaska, North Dakota, or Vermont), we will request your consent before doing so. State privacy rights (CCPA, CPRA, and similar laws). Depending on your state of residence, you may have the right to request access to, correction of, or deletion of personal information we hold about you, subject to limits imposed by investment advisor recordkeeping rules and other applicable law. To exercise any of these rights, contact us using the information in the Complaints & Contact section below. We will respond within the timeframe required by applicable law.

Closed or Inactive Accounts

If you close your account with us or become inactive, this Privacy Policy continues to apply to your information for as long as we are required to retain it.

Succession & Business Continuity

Retire With Swan is a solo practice. We maintain a documented business continuity plan and a succession arrangement intended to ensure that your service continues without interruption in the event of the owner's incapacity, retirement, or death. Any change of ownership of the firm that would transfer your advisory relationship to another party would require your consent, consistent with your signed agreement with us.

Complaints & Contact

Please direct any complaints, questions, or privacy requests to: Christopher Swan Retire With Swan 1821 Red Bud Trail Northlake, TX 76247 Phone: 940-373-5877

Changes to This Policy

If we make material changes to how we collect, use, or share your information, we will update this page, revise the "Last Updated" date at the top, and notify active clients directly.

Disclaimers

General Disclaimer

Retire With Swan is a registered investment advisor offering advisory services in the State of Texas and in other jurisdictions where exempted or notice-filed. Registration does not imply a certain level of skill or training. The information on this website is not intended as tax, accounting, or legal advice. It is not an offer or solicitation to buy or sell any security, and it is not an endorsement of any company, security, fund, or non-securities offering. Nothing on this site should be relied upon as the sole factor in an investment or financial decision. Past performance is no indication of future results. Investing in securities involves significant risk, including the potential loss of principal. No recommendation we provide should be assumed to be profitable or to match any performance noted on this site. Information on this site is provided "AS IS" and without warranties of any kind, either express or implied. To the fullest extent permitted by law, Retire With Swan disclaims all warranties, express or implied, including implied warranties of merchantability, non-infringement, and fitness for a particular purpose. We do 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 Retire With Swan be liable for any direct, indirect, special, or consequential damages arising from your use of — or inability to use — the information provided on this site, even if we have been advised of the possibility of such damages.

Hyperlink Disclosure

Links on this site to third-party websites are provided as a courtesy. When you follow one, you are leaving retirewithswan.com. We do not control, endorse, or guarantee the accuracy, timeliness, or completeness of content on any third-party site, and we are not responsible for any technical or content issues you encounter there. You assume full responsibility and risk when accessing linked sites.

Investment & Insurance Disclosures

All written content on the Retire With Swan website is for informational purposes only. Opinions expressed are solely those of Retire With Swan unless otherwise cited. Material presented is believed to be from reliable sources, but we make no representation as to its accuracy or completeness. All information and ideas should be discussed with your advisor, accountant, or legal counsel before implementation. Investment advisory services are offered by Retire With Swan, a registered investment advisor in the State of Texas. Nothing on this site should be construed as a solicitation to offer advisory services to residents of any other state except where we are legally permitted to do so. Insurance products — including life insurance and fixed and fixed-index annuities — are offered separately through Christopher Swan, licensed independent life and annuity agent in the State of Texas. Insurance and advisory services are provided in separate capacities and are compensated separately. Full compensation details are on our How I'm Paid page. Because our plans often combine securities and insurance-based strategies, it is important to understand the differences: Securities can and do lose money. Market values fluctuate. Fixed-index annuities should be viewed as long-term income vehicles. All guarantees are contractual obligations of the issuing insurance carrier and are subject to that carrier's claims-paying ability. Guaranteed Withdrawal Benefits are optional riders available on some annuities for an additional cost, not available in all states. Early surrenders beyond penalty-free withdrawal amounts may incur surrender charges. Withdrawals prior to age 59½ may incur IRS tax penalties. Income rider values are designed to generate contractually guaranteed income streams based on pooled reserves and are separate from accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed crediting rates on accumulation values, accumulation values decline. See your annuity documents for full details. Past performance of any financial vehicle or index should not be relied upon to predict future results. No specific investment, tax, or legal advice is being given on this website, and no offer is made to sell or buy any security or insurance product. Always consult your tax preparer for tax advice.

This Privacy Policy & Disclaimers page supersedes any prior version published on retirewithswan.com.