Terms of Use

The Website is intended for people 18 or older who are located in the United States. By using it, you confirm that you meet these requirements.

Content on the Website, including Insights articles, guides and webinar materials, is for general educational and informational purposes. It is not individualized investment, tax or legal advice, and it is not an offer to buy or sell any security or a solicitation to provide advisory services in any jurisdiction where that would be unlawful.

PointOak provides investment advice only under a written agreement with a client, after we have learned about the client's situation and objectives. Please consult your own tax and legal professionals about your circumstances.

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Information is believed to be reliable as of the date it is published, but it may become outdated, and we don't undertake to update it.

PointOak is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. PointOak provides advisory services only in states where it is registered, notice-filed or exempt from registration. More information about our services, fees and conflicts of interest is available in our Form ADV Part 2A and Form CRS, and at the SEC's Investment Adviser Public Disclosure website.

Contacting us through a website form, scheduling link or email does not create a client relationship. Please don't send trade orders, money-movement requests or other time-sensitive instructions through the Website or by email; they may not be received or acted on promptly. Please don't send Social Security numbers, account numbers or similar sensitive information through general contact forms. Use the secure methods your PointOak advisor provides.

As a registered investment adviser, we are required to retain business communications, and communications you send us may be reviewed and archived.

The Website may link to services operated by others, such as our custodian Charles Schwab, financial planning and secure document portals, file-upload tools and scheduling services. Those sites have their own terms and privacy policies, which govern your use of them. PointOak does not control and is not responsible for third-party sites' content, availability or security. A link is not an endorsement of any third party's products or services.

The Website's content, design, logos and trademarks belong to PointOak or its licensors. You may view, download and print content for your personal, non-commercial use. You may link to and share Website pages and articles, provided you don't alter the content, remove notices or imply that PointOak endorses you. Any other copying, republishing or commercial use requires our written permission.

Search engines and AI answer services may index Website content as permitted by our robots.txt file.

You agree not to: (a) use the Website in violation of any law; (b) attempt to gain unauthorized access to the Website, our systems or other users' information; (c) introduce malware or interfere with the Website's operation; (d) impersonate PointOak, our employees or anyone else; or (e) use the Website to send spam or unsolicited advertising.

We may update, suspend or discontinue any part of the Website at any time. We may revise these Terms by posting an updated version on this page. Changes take effect when posted, and continued use of the Website means you accept them.

The Website and its content are provided "as is" and "as available." To the extent permitted by law, PointOak disclaims all warranties, express or implied, about the Website, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. We don't guarantee that the Website will be uninterrupted, error-free or free of viruses or other harmful components.

To the extent permitted by law, PointOak and its members, officers and employees will not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, the Website or its content. This section applies only to use of the Website and is subject to Section 12.

You agree to indemnify PointOak against third-party claims, losses and reasonable costs (including attorneys' fees) arising from your violation of these Terms or misuse of the Website. This section is subject to Section 12.

These Terms apply only to your use of the Website. If you are a PointOak client, your advisory relationship is governed by your written agreement with PointOak and our Form ADV. Nothing in these Terms limits PointOak's fiduciary duty to its clients or waives or limits any rights you have under federal or state securities laws, including the Investment Advisers Act of 1940, or any other law that cannot be waived by contract.

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-law rules, and by applicable federal law. Any dispute about the Website or these Terms will be brought in the state or federal courts located in Fairfax County, Virginia, and you consent to their jurisdiction. Before filing a claim, we ask that you contact us so we can try to resolve the matter informally.

If you are a PointOak client, any dispute about your advisory relationship or services is governed by your Investment Advisory Agreement, including its dispute-resolution provisions, and not by this section.

Our Privacy Statement explains how we collect, use and protect nonpublic personal information about prospective, current and former clients. Our Website Privacy Policy explains what information the Website itself collects, such as contact form and scheduling submissions, cookies and analytics data, and how we use it.

If any provision of these Terms is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. These Terms, together with our Privacy Statement and Website Privacy Policy, are the entire agreement between you and PointOak about the Website and don't replace any client agreement.

PointOak Retirement Advisors, LLC
1751 Pinnacle Dr., Suite 600, McLean, VA 22102
(703) 595-4444 · info@pointoak.com