Money Mastery: Your Path to Financial Freedom

With Money Mastery, you'll gain the tools and insights to confidently manage your money and build lasting wealth.

What you'll get:

Access to 3 educational modules with 15 video lessons
3 one-on-one Financial Coaching Calls
Bonus resources and downloadable tools
Lifetime access to all materials

Your path to financial freedom starts here.

Services provided by Capstone Advisors, LLC DBA Luminary Wealth, a Registered Investment Advisor headquartered in Fort Wayne, IN. Form ADV and Disclosures provided upon registration.

One Payment $2,997 USD Three Payments $1,150 USD

$2,997.00 USD

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I have read and agree to the terms and conditions of this page as follows:

TERMS & CONDITIONS

Last Updated: October 07, 2024

The following Terms and Conditions confirm our understanding of the nature, limitations, and scope of the financial planning services we will provide.

All services are provided by Capstone Advisors, LLC DBA Luminary Wealth, a Registered Investment Advisor headquartered in Fort Wayne, IN. Form ADV and Disclosures are provided upon registration.

The engagement between you and our firm will be governed by the terms set forth below.

1. SCOPE OF SERVICES

Cash Flow Consulting

Educating you on creating a budget, tracking spending, managing cash flow, and adjusting your budget.
Helping you develop a personalized strategy to pay off your debt.
Providing strategies for building an emergency fund and saving towards major life milestones.
Access to a customizable Budget Dashboard, Debt Payoff Worksheet, and Savings Strategy Worksheet.
One-on-one meeting with a Financial Coach.

Saving & Investing Strategy

Educating you on investing principles, saving strategies, and approaches to achieving financial independence.
Step-by-step guidance on calculating savings goals, including account types and contribution amounts.
Optimizing investment accounts from a tax and asset allocation perspective.
Risk tolerance assessment and investment objectives guidance.
Portfolio rebalancing guidance.
Access to a Savings Optimizer, Risk Assessment Questionnaire, 12 Investment Portfolio options, and an Asset Allocation Worksheet.
One-on-one meeting with a Certified Financial Planner®.

Tax Education

Educating you on the basics of tax return filing.
Providing insight on potential tax planning strategies.
Access to resources on new tax laws, regulations, and strategies.
One-on-one meeting with a Certified Public Accountant (CPA) to answer general tax-related questions.

2. CLIENT RESPONSIBILITIES

Your advice and results depend on the timeliness, accuracy, and completeness of the information you provide. Failure to provide accurate or complete information may result in inappropriate recommendations. You are responsible for updating us on any changes during the engagement, as it may affect our advice.

We do not audit, verify, or validate the information you submit. Additionally, we do not provide asset management or custodial services. All investment decisions are your responsibility, and any recommendations or tools provided are for educational purposes only. Past performance is not indicative of future results, and there are no guarantees regarding the success of any strategies.

Our tax education services are informational only and do not constitute legal or tax filing advice. You are encouraged to consult a tax professional for the preparation and filing of your tax returns.

3. NO RECORDKEEPING & DELIVERABLES

No Recordkeeping
Luminary Wealth does not retain client financial records beyond the scope of the engagement. You are responsible for maintaining copies of all financial data, tools, and documents provided during the engagement.

Deliverables
The deliverables provided during this engagement are for your internal use only and may not be shared externally without written permission. You agree to indemnify and hold Luminary Wealth harmless from claims arising from the unauthorized use of these materials by third parties.

4. DISCLOSURES

Compensation
The fee stated represents the total compensation for the services provided. We receive no commissions or kickbacks for any products or services mentioned in the educational content.

Conflicts of Interest
We are not aware of any conflicts of interest related to this engagement. If any arise, we will inform you promptly. Luminary Wealth complies with all applicable federal and state laws and regulations.

5. ENGAGEMENT PERIOD & TERMINATION

Engagement Period
Our engagement begins upon receipt of payment and will conclude after one of the following occurs:

Completion of three one-on-one meetings.
Written notification of termination by either party.
One (1) year from the date of agreement execution.

After completing the one-on-one meetings, you will retain lifetime access to all tools and resources obtained during this engagement, as long as Luminary Wealth continues to offer its services.

Termination

Termination by the Client:
No refunds will be issued upon termination, as tools, resources, and consultations are immediately accessible. You will retain access to any tools, resources, or documents provided prior to termination, but no further services will be rendered.
Termination by Luminary Wealth:
We reserve the right to terminate the engagement if timely or accurate information is not provided or circumstances prevent us from fulfilling our obligations. No refunds will be issued, but you will retain access to any tools and resources provided.
Post-Termination Obligations:
Both parties will remain responsible for obligations arising before termination. You will continue to have access to tools and resources provided up until termination. Luminary Wealth will no longer provide guidance or support unless otherwise agreed in writing.
No Further Liability:
After termination, Luminary Wealth will have no further obligation to provide services. You agree to hold Luminary Wealth harmless for actions or decisions based on incomplete or partial advice provided before termination.

6. JURISDICTION AND DISPUTE RESOLUTION

Governing Law:
This agreement is governed by the laws of the State of Indiana, without regard to conflict of law principles.
Jurisdiction and Venue:
Any legal action or proceeding arising from this agreement will take place in the state or federal courts of Fort Wayne, Indiana. Both parties consent to the exclusive jurisdiction and waive any objections to venue or jurisdiction.
Dispute Resolution:
In the event of a dispute, the parties agree to first attempt to resolve the matter through good-faith negotiation. If the dispute is not resolved within 30 days, either party may submit the matter to binding arbitration in Fort Wayne, Indiana, in accordance with the rules of the American Arbitration Association (AAA).
Costs and Fees:
Each party will bear its own costs and attorneys' fees for any dispute resolution process, unless otherwise provided by the arbitrator or required by law.
Waiver of Jury Trial:
Both parties expressly waive the right to a jury trial for any disputes arising from or related to this agreement.

By checking this box, you affirm that this letter accurately summarizes your understanding of the services you will receive as part of this offering.