Important information
What this practice does, and what it does not
These statements apply to this website and to any material published on it. They are written to be read, not to be scrolled past.
01
Nature of the services
Stillpoint Planning Co. provides financial planning services to owners of closely held businesses. The work consists of establishing and maintaining a written picture of a household's financial circumstances, identifying the decisions that are open, and preparing for and following through on discussions with the client's other professional advisers.
The practice does not manage investments, does not exercise discretion over any assets, does not hold or take custody of client money or securities, and does not effect transactions of any kind.
02
No products and no third-party compensation
Stillpoint does not sell, distribute or recommend any financial product, security or insurance contract. It receives no commission, referral fee, revenue share, rebate or other compensation from any product provider, platform, custodian, insurer or other third party.
The practice is paid by its clients only, on terms agreed in writing before work begins.
03
Tax, legal, accounting and insurance
Nothing provided by the practice constitutes tax advice, legal advice, accounting services, audit, business valuation, insurance advice or the sale of insurance. The practice does not prepare tax returns, draft legal instruments, or provide estate or corporate legal services.
Where those services are required, they are provided by professionals the client engages directly, under those professionals' own terms and responsibility. Coordination by the practice does not transfer or share that responsibility.
04
This website is general information
All content published on this website, including any writing under Writing and all descriptions of planning areas and client situations, is general in nature and educational in purpose. It has been prepared without regard to any individual's objectives, financial situation or needs.
Nothing on this website is a recommendation to buy, sell or hold any security or financial product, an offer or solicitation, or a statement that any strategy is suitable for any particular person. No individualised financial advice is provided through this website or through any form on it.
05
No relationship is created by enquiry
Contacting the practice, submitting an enquiry, or holding an initial conversation does not create an advisory, fiduciary, client or contractual relationship. A relationship begins only when a written engagement setting out scope, responsibilities and fees has been signed by both parties.
Information shared before that point should be limited to what is necessary to establish whether the work would be useful.
06
No performance, projections or guarantees
The practice makes no representation, warranty or guarantee as to investment returns, income, retirement outcomes, capital preservation, avoidance of loss, tax outcomes or the sufficiency of any amount of savings or proceeds.
No performance figures, model portfolios, forecasts, backtests or projected outcomes are published on this website. Where illustrative figures are ever used in the course of an engagement, the assumptions behind them are stated in writing and are illustrative only.
07
Regulatory position and jurisdiction
Financial services are regulated differently in each jurisdiction, and the scope of what the practice may provide varies accordingly. Details of the practice's regulatory position and the jurisdictions in which it can accept clients are provided directly, in writing, before any engagement begins.
No claim of registration, licensing, authorisation, membership, fiduciary status or professional designation is made on this website. Nothing here should be read as implying any such status, and the practice should not be assumed to be a bank, trust company, broker, dealer, investment manager or insurer.
08
Third-party material
Where any external source, data or publication is referenced in the practice's written material, it is attributed to its source and dated. The practice does not publish live market data, index levels, rates or prices on this website, and does not warrant the accuracy of information originating from third parties.
Questions about any of the above are welcome before an enquiry is made. Contact the practice, or read the privacy statement.