INTRODUCTION

Nabers Financial Inc (“NG”) provides certain services to you that are subject to the following Terms and Conditions (“TAC”). NG reserves the right to update the TAC at any time without notice to you.

DISCLAIMER

The information provided by NG, its subsidiaries, or affiliates is not a substitute for professional advice you would receive from an accountant, attorney, or qualified tax preparer. The information provided by NG does not constitute legal or professional advice nor is it conveyed or intended to be conveyed in the course of any adviser-client discourse, but is intended to be general information with respect to common business issues.

The views and opinions expressed in this article do not necessarily reflect the official policy or position of any agency of Jeff Nabers, Nabers Group LLC, Nabers Services LLC, Nabers Financial Group LLC or Nabers Financial Inc. Examples of analysis performed within this article are only examples. They should not be utilized in real-world analytic products as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of Jeff Nabers, Nabers Group LLC, Nabers Services LLC, Nabers Financial Group LLC or Nabers Financial Inc.

When making decisions as a result of the information you have received through NG, you should always seek the advice of an accountant, attorney, qualified tax preparer, and/or registered investment advisor.

The material and communications provided by NG are not intended to constitute a complete analysis of all tax considerations. Internal Revenue Service regulations generally provide that, for the purpose of avoiding United States federal tax penalties, a taxpayer may rely only on formal written opinions meeting specific regulatory requirements. Material provided by NG does not meet those requirements. Accordingly, the material and communications provided by NG are not intended or written to be used, and a taxpayer cannot use it, for the purpose of avoiding United States federal or other tax penalties or for promoting, marketing or recommending to another party any tax-related matters. Our product is designed to be provided to an individual who is a fiduciary to his or her own retirement plan. NG products and information are not intended to be relied upon as the ultimate advice required for a plan fiduciary to make decisions regarding a retirement plan. You hereby recognize that as a plan fiduciary, you are responsible for making decisions about the plan investments and when and where to seek services for the plan. Nothing within our product or materials transfers any of those fiduciary responsibilities to NG. Plan maintenance is provided by Nabers Services LLC.

Your subscription program with NG convers the cost of plan maintenance provided by Nabers Services LLC. In the course of normal annual document maintenance, there will be no surcharge for typical items such as plan amendments. Annual reporting on Form 5500-EZ is required to be sent to the IRS in any year in which plan assets exceed $250,000 in value and each year thereafter. Ensuring preparation and filing of this report is the responsibility of the plan administrator (you), as is all other responsibilities of managing the plan and ensuring compliance. An ERISA bond may or may not be required.

NG has made its best efforts to secure information on this matter, and has determined to the best of its ability that an ERISA bond is not required for your situation, but this determination should not be relied upon and is not replacement for legal advice.

"Unlimited" is a registered trademark of Jeffrey Nabers. This mark is used by NG with permission, and this mark may not be used without express written permission.

By placing a comment on any web page or blog post on any of our web sites, you are thereby giving permission for us to message you at your email address to respond to your question and you will be automatically subscribed to our email newsletter. If you do not want to remain subscribed to our email newsletter, you can click the unsubscribe link at the bottom of the newsletter to instantly remove your email address from our list at any time. You may also choose to remain subscribed to receive high value information about wealth and investing.

Refund Policy
All products, services and fees are non-refundable.
Cancellation Policy
Cancellation of the Unlimited® 401k subscription will cause our official plan records to indicate that your 401k plan is inactive. This may cause the IRS, Department of Treasury, Department of Labor and/or other government agencies to consider the tax benefits and tax treatment of your retirement funds to be null and void. It is recommended that you do not cancel your Unlimited® 401k subscription until you have transferred all of its funds to another qualified plan and consulted your legal and tax advisor(s). Unlimited® 401k subscription may be cancelled at any time for any reason. Unless stated otherwise herein, no refund shall be issued, and no prorated refunds will be issued.

LIMITATION TO PERSONAL USE; COMMERCIAL USES PROHIBITED

The Services provided by NG are for your personal use. Any commercial use is prohibited without NG’s prior express written consent. Any information, service or products you obtain from the Services may not be modified, distributed, transmitted, copied, displayed, reproduced, licensed, published, performed, transferred or sold; nor may you create any derivative works therefrom.

NG’S SERVICES

Throughout this website, NG will provide you with access to a variety of resources. These resources include various tools, data collections, educational materials, download areas, rich media, product information, third party vendor products & services, and other miscellaneous sources (collectively “Services”). The Services, including any updates, enhancements, new features, and/or the addition of any new properties, are subject to the TAC. Payment made for Services is nonrefundable.

CONSENT REQUIRED FOR USAGE OF DOCUMENTS

You must obtain prior express written consent from NG to use Documents from any Services.

NO PROHIBITED OR UNLAWFUL USES

You must not use the Services for any purpose that is unlawful or prohibited by these TAC. Any violations of these TAC will result in the revocation of (a) your right to use the Services, and (b) any username and password you may have been issued. You must not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any NG server or to any of the Services, through hacking, password mining or any other means. You must not use the Services in any manner that could damage, disable, overburden, or impair any NG server, or the network(s) connected to any NG server. You further agree that you will not interfere or attempt to interfere with any other party’s use and enjoyment of any Services. You must not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.

DUTY TO MAINTAIN SECURITY; REGISTRATION REQUIRED TO OBTAIN MEMBER ACCOUNT AND PASSWORD

Certain Services will require you to register with NG. If such registration is required, you must provide us with current, complete and accurate information as prompted by the applicable online registration form. NG will supply you with a username and password once you have supplied the required information. It is your sole responsibility to maintain the security and confidentiality of your password and account. You also have sole responsibility for any and all activities that occur under your account. In the event you become aware of any unauthorized use of your account or any other breach of security, you agree to notify NG immediately and to provide all the facts and circumstances of the incident(s). NG shall have no liability for any damages or loss of any type that you may incur as a result of someone else using your password or account, whether you authorized that usage or not. You acknowledge that you could be held liable for damages or losses incurred by NG or another party should someone else use your account or password, whether you authorized that usage or not. You must obtain the prior express permission of the account holder in order to use some other person’s account.

LIMITATION OF LIABILITY

NG AND/OR ITS RESPECTIVE AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. NG AND/OR ITS RESPECTIVE AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING THE FOLLOWING:

ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY; ALL WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. NEITHER NG NOR ITS RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY FOR ANY SPECIAL, INDIRECT OR ONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER BASED ON ACTIONS ARISING FROM CONTRACT, NEGLIGENCE OR ANY OTHER TORTIOUS ACTION. THIS WAIVER AND RELEASE INCLUDES DAMAGE ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES.

POLICY PROHIBITING UNSOLICITED IDEA SUBMISSIONS

NEITHER NG NOR ANY OF ITS EMPLOYEES WILL ACCEPT OR CONSIDER UNSOLICITED IDEAS, INCLUDING IDEAS FOR NEW ADVERTISING CAMPAIGNS, NEW PROMOTIONS, NEW PRODUCTS OR TECHNOLOGIES, PROCESSES, MATERIALS, MARKETING PLANS OR NEW PRODUCT NAMES. PLEASE DO NOT SEND ANY ORIGINAL CREATIVE ARTWORK, SAMPLES, DEMOS, OR OTHER WORKS TO NG OR ITS EMPLOYEES. THE SOLE PURPOSE OF THIS POLICY IS TO AVOID POTENTIAL MISUNDERSTANDINGS OR DISPUTES WHEN NG’S PRODUCTS OR MARKETING STRATEGIES MIGHT SEEM SIMILAR TO IDEAS SUBMITTED TO NG. ACCORDINGLY, WE STRONGLY REQUEST THAT YOU DO NOT SEND YOUR UNSOLICITED IDEAS TO NG OR ANYONE AT NG. IF YOU VIOLATE THIS REQUEST, YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT NG MAKES NO ASSURANCES OR INDUCEMENTS THAT YOUR IDEAS AND MATERIALS WILL BE TREATED AS CONFIDENTIAL OR PROPRIETARY, AND YOU HEREBY WAIVE AND RELEASE ANY CLAIMS AGAINST NG AND ITS EMPLOYEES THAT ARISE FROM OR ARE RELATED TO ANY SUCH UNSOLICITED IDEAS.

SUBMITTING YOUR CONTACT INFORMATION (INCLUDING PHONE NUMBER, EMAIL ADDRESS, AND MAILING ADDRESS) CONSTITUTES YOUR PERMISSION TO RECEIVE COMMUNICATION FROM US VIA EMAIL, PHONE CALL, RECORDED PHONE MESSAGE, AND POSTAL MAIL. TO WITHDRAW YOUR PERMISSION TO RECEIVE COMMUNICATION BY ONE OR MORE OF THESE METHODS, PLEASE SEND US AN EXPLICIT REQUEST INDICATING WHICH COMMUNICATION METHODS IN PARTICULAR BY WHICH YOU DO NOT WISH TO RECEIVE COMMUNICATIONS. YOU CAN SEND THIS REQUEST ON OUR WEB SITE AT http://www.nabers.com/contact-us/new-client/

LINKS TO WEBSITES OF THIRD PARTIES

THE LINKS IN THIS AREA WILL LET YOU LEAVE NG’S SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF NG. YOU AGREE THAT NG IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. NG IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. NG PROVIDE THESE LINKS TO YOU ONLY AS A CONVENIENCE. THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY NG OF THE SITE OR ANY DUE DILIGENCE BY NG IN REVIEWING THE MATERIAL ON ANY SUCH LINKED SITE.

INFORMATION UPDATES

NG HAS EXERCISED GOOD FAITH IN MAKING AVAILABLE THE SERVICES. NEVERTHELESS, YOU UNDERSTAND AND ACKNOWLEDGE THAT THE SERVICES, TOGETHER WITH RELATED DOCUMENTS AND GRAPHICS, COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU MUST EXERCISE YOUR OWN DUE DILIGENCE IN REVIEWING AND ASSESSING THE SERVICES AND THE SUITABILITY OF THE SERVICES FOR YOUR OWN FACTS, CIRCUMSTANCES AND SITUATION. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. NG AND/OR ITS RESPECTIVE AFFILIATES MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED HEREIN AT ANY TIME.