Effective Date: 7/9/25 Last Updated: 7/9/25
By accessing or using the Vera Planning website, services, or Vita VIA℠ planning process (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.
These Terms constitute a legally binding agreement between you and Vera Planning ("Company," "we," "us," or "our").
Vera Planning provides comprehensive financial planning and advisory services through our proprietary Vita VIA℠ methodology, including but not limited to:
Our Services are offered through three engagement models:
Vera Planning serves as an investment adviser and maintains a fiduciary duty to act in your best interests. We are committed to providing objective advice free from conflicts of interest.
Our compensation is derived solely from advisory fees paid by clients. We do not receive commissions from product sales or third-party referrals, ensuring our recommendations are aligned with your interests.
All recommendations are made based on your specific financial situation, goals, risk tolerance, and time horizon as disclosed during our planning process.
You agree to provide complete, accurate, and current information regarding your financial situation, goals, and circumstances. You must promptly notify us of any material changes.
You are responsible for reviewing all recommendations, reports, and documents provided by Vera Planning and asking questions about anything you do not understand.
All investment and financial planning decisions remain your responsibility. While we provide advice and recommendations, you retain full discretion over implementation.
If you grant us access to your accounts for monitoring or management purposes, you are responsible for maintaining appropriate security measures and promptly reporting any unauthorized access.
Detailed fee information is provided in your executed advisory agreement. Fees may be based on:
Fees are due as specified in your advisory agreement. We reserve the right to suspend services for non-payment after appropriate notice.
Refund policies are outlined in your specific service agreement. Generally, fees for services already provided are non-refundable.
We maintain strict confidentiality regarding all client information and implement appropriate safeguards to protect your personal and financial data.
We do not sell, rent, or share your personal information with third parties except as necessary to provide services or as required by law.
While we implement industry-standard security measures, you acknowledge that no electronic transmission or storage is completely secure.
Past performance does not guarantee future results. All investments involve risk of loss, and you may lose money by following our recommendations.
Financial markets are subject to volatility, and investment values may fluctuate significantly based on market conditions, economic factors, and other variables beyond our control.
While we provide tax planning strategies, we do not provide tax preparation or legal services. You should consult qualified tax and legal professionals for specific advice.
You agree to use our website and technology platforms only for lawful purposes and in accordance with these Terms.
You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account.
While we strive for continuous availability, we do not guarantee that our systems will be available at all times and are not liable for temporary interruptions.
All content, trademarks, and intellectual property on our website and in our materials, including the Vita VIA℠ methodology, are owned by Vera Planning and protected by applicable laws.
Our liability is limited to the advisory fees paid for the specific services that gave rise to the liability, except in cases of willful misconduct or gross negligence.
We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our Services.
We are not responsible for the performance or security of third-party platforms, custodians, or service providers you choose to use.
Either party may terminate the advisory relationship at any time with written notice as specified in your advisory agreement.
Upon termination, you remain responsible for fees incurred through the termination date, and we will provide a final accounting of services rendered.
Confidentiality obligations, liability limitations, and dispute resolution provisions survive termination.
These Terms are governed by the laws of [State], without regard to conflict of law principles.
Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
You agree to resolve disputes individually and waive any right to participate in class action lawsuits.
Vera Planning is a registered investment adviser. Our Form ADV and brochure are available upon request and contain important information about our services, fees, and conflicts of interest.
We maintain compliance procedures to ensure adherence to applicable securities laws and regulations.
We reserve the right to modify our services and these Terms to comply with changing regulatory requirements.
These Terms, together with your executed advisory agreement, constitute the entire agreement between the parties regarding the use of our Services.
We may update these Terms periodically. Material changes will be communicated through our website or direct notification. Continued use of our Services constitutes acceptance of modified Terms.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
We are not liable for delays or failures in performance due to circumstances beyond our reasonable control.
For questions about these Terms or our Services, please contact us:
Vera Planning 320 Cherokee St NE Suite D, Marietta, GA 30060 Phone: 678-250-5099 Email: info@vitafinancial.com
Compliance Inquiries:Email: compliance@vitafinancial.com
This Terms of Service document is provided for informational purposes. Investment advisory services are provided by Vera Planning, a registered investment adviser. Past performance does not guarantee future results. All investments involve risk of loss.
Please carefully review your advisory agreement for specific terms governing your particular engagement with Vera Planning.
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