Privacy Notice & Website Disclosures

Client Privacy Notice

What does Retire With Swan do with your personal information?

Why?

Financial firms choose how they share personal information. Federal law requires financial firms to explain how they collect, share, and protect personal information and gives consumers the right to limit some - but not all - sharing. Please read this notice carefully.

What?

The personal information we collect and share depends on your relationship with RWS and the services you request. It can include information in any form, whether provided on paper, electronically, verbally, or through a service provider:

• identifying and contact information, including Social Security numbers and government-issued identification;
• financial information, including income, assets, liabilities, taxes, accounts, holdings, transactions, benefits, and payment information;
• personal and household information relevant to advice, including family, employment, insurance, estate, beneficiary, charitable, and health-related planning information;
• goals, objectives, preferences, restrictions, risk tolerance, time horizon, and liquidity needs; and
• communications, agreements, records, documents, and information generated through your relationship or use of our services and digital properties.

How?

All financial firms need to share some personal information to operate their everyday business. RWS does not sell or rent your personal information. RWS also does not provide it to an affiliate or nonaffiliate for that party's own marketing. The table below describes the stable categories of RWS's sharing practices. The particular service providers, systems, and methods used within those categories may change.

*Marketing communication preferences are separate from information-sharing opt-outs. You may manage them using the instructions in a communication or by contacting RWS.

Questions?

Call 940.373.5877 or email team@retirewithswan.com.

Who we are

Who is providing this notice?
Swan Capital Group, LLC d/b/a Retire With Swan, a Texas-registered investment adviser.

What we do

How does RWS protect my personal information?

RWS restricts access to people and service providers that need personal information to provide services, operate the firm, protect information, or meet legal and regulatory duties. RWS maintains administrative, technical, and physical safeguards designed to protect personal information. No system of storage or transmission is completely secure.

How does RWS collect my personal information?

We collect personal information from you and from sources connected with your relationship or a service you request, including when you:

• enter into an advisory agreement or seek financial planning, retirement planning, tax-related planning or coordination, or investment advisory services;
• give us contact, employment, income, asset, liability, account, benefit, or tax information;
• provide tax returns, account statements, benefit records, signed agreements, or other documents;
• communicate with us, pay fees, or use our website, forms, or digital services; or
• authorize a financial institution, representative, professional, service provider, or other person to give us information.

We may also receive information from transactions, relationship records, public sources, or other sources when relevant to a service, authorized by you, or permitted by law.

Why does RWS share personal information?

RWS may share personal information only as needed:

• to provide the advisory and financial-planning services you request;
• to administer, process, bill for, maintain, or protect accounts, engagements, communications, and records;
• with service providers and professional advisers that perform functions for RWS or support a service you request;
• at your direction or with your authorization; or
• to prevent fraud, protect rights or safety, respond to legal process, and comply with regulators and law.

These disclosures are made only for the relevant service or purpose, at your direction, or as permitted or required by law. RWS does not share personal information with service providers for their independent marketing purposes.

What about former clients?

When a client relationship ends, RWS continues to protect and share personal information under the practices described in this notice, subject to applicable recordkeeping, legal, and regulatory duties.

Definitions

Affiliates

Companies related by common ownership or control. RWS does not share prospect or client personal information with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can include financial institutions, service providers, and professional advisers that support RWS or a service you request. RWS does not share with nonaffiliates so they can market their own products or services to you.

Joint marketing

A formal agreement between nonaffiliated financial companies to jointly market financial products or services. RWS does not jointly market.

Everyday business and advisory purposes

Activities needed to provide requested services, operate the firm, protect information, maintain records, process authorized transactions or fees, and satisfy legal and regulatory obligations.

Website and communication information

When you use the RWS website, forms, or other digital services, RWS may receive information you submit and technical or usage information. RWS may use that information to provide, operate, secure, measure, and improve its digital properties and services.

Marketing communication preferences may be managed using the instructions in a communication or by contacting RWS. Those choices address communications; they do not prevent RWS from using or sharing information needed to provide a service you request or as permitted or required by law.

Retention, security events, and legal rights

RWS retains personal information for as long as reasonably needed to provide services, administer its business, maintain required records, resolve disputes, enforce agreements, and comply with law. Retention periods vary by the information and the relationship. RWS disposes of information when appropriate under its policies and applicable law.

RWS responds to security events and provides notices when required by applicable law. Depending on where you live, you may have additional privacy rights. RWS will respond to verified requests as required by law, subject to recordkeeping and other lawful exceptions.

Changes to this notice

RWS may revise this notice to reflect a material change in its practices or applicable law. RWS will provide a revised notice when required. Ordinary changes in service providers, technology, or internal procedures do not change this notice when the collection, use, and sharing remain within the categories described above.

Contact us

Website & SMS Supplement

Website and digital services

When you visit or interact with RWS websites, forms, scheduling tools, portals, or other digital services, RWS and service providers acting for RWS may receive information you submit and technical or usage information generated through the interaction. That information may include device, browser, network, page, referral, time, and interaction data, as well as cookies or similar technologies where used.

RWS may use this information to respond to requests; provide, operate, support, secure, measure, and improve its digital properties and services; maintain records; prevent fraud or misuse; and comply with law. The particular providers, tools, and methods may change without changing these purposes. RWS does not sell or rent this information or permit service providers to use it for their independent marketing.

Your browser or device may offer controls for cookies and similar technologies. Limiting them may affect how some website features work.

SMS and text messaging

If you opt in to text messaging, RWS may send the types of messages described in the SMS/Text Messaging Terms. Message frequency varies, and message and data rates may apply.

RWS does not sell or rent mobile information, text-message originator opt-in data, or consent, and does not share that information with affiliates or nonaffiliates for their own marketing or promotional purposes. RWS and service providers acting for RWS may process mobile information, opt-in records, message content, and related records as needed to operate, support, secure, and document the messaging program, provide a service you request, or comply with law.

Reply STOP to cancel text messages. Reply HELP for help, or contact team@retirewithswan.com or 940.373.5877. Communication preferences do not limit operational or legally required use of information.

Business Continuity

RWS maintains business-continuity arrangements designed to support a responsible response to a significant disruption or unavailability. Depending on the circumstances and applicable law, those arrangements may include protecting and recovering records, communicating with clients and service providers, preserving client access to assets held with qualified custodians, and coordinating an orderly continuation, transfer, or wind-down of services.

Any assignment or transfer of an advisory relationship will be handled under the client’s agreement and applicable authorization, registration, custodial, and regulatory requirements. A disruption does not change the privacy practices described in the Client Privacy Notice.

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.

Current public services and fees are described on the How I’m Paid page. 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.