Effective Date: 17/09/2026
Acceptance of Terms
These Terms of Use govern access to and use of myretirementnest.com. By using the Site, you agree to these terms. If you do not agree, do not use the Site. “We,” “us,” and “our” mean
[PLACEHOLDER — FILL IN: the legal entity that operates the website]
Informational Purpose Only
The Site provides general educational and informational content. It does not provide individualized investment, securities, insurance, tax, accounting, or legal advice. Site content does not take into account your financial situation, objectives, risk tolerance, tax status, or needs. Consult appropriately licensed professionals before acting on financial, tax, or legal information.
No Client Relationship
Viewing the Site, submitting a form, sending an email, requesting information, or participating in an introductory conversation does not create an advisory, brokerage, insurance, fiduciary, or other client relationship. A client relationship is created only through the required written agreements, disclosures, approvals, and account or application process.
Licensing and Geographic Availability
Ricardo Aguirre, professionally known as Richard Aguirre, is identified on the Site as a Financial Strategist affiliated with Banamerica Financial Group, Inc. He is licensed to serve clients in Illinois, Wisconsin, Arizona, Nevada, Texas, Virginia, and Georgia, subject to the scope and status of the applicable licenses and appointments. Services and products are offered only where permitted by law and may not be available in every state or to every person. Licensure does not constitute government endorsement.
No Offer or Solicitation
Nothing on the Site is an offer to sell, a solicitation to buy, or a recommendation of any security, insurance product, annuity, investment strategy, or account. Any offer or recommendation may be made only after appropriate review and through required offering documents, contracts, disclosures, and licensed entities.
Investment and Retirement Risks
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Illustrations, examples, projections, and hypothetical information are not guarantees and may not reflect actual fees, taxes, market conditions, or results. Retirement outcomes depend on numerous factors, including contributions, withdrawals, expenses, taxes, inflation, longevity, market performance, product terms, and personal circumstances.
Rollovers
A rollover is not automatically appropriate. Options for an employer-sponsored retirement account may include leaving assets in the existing plan, moving assets to a new employer plan if permitted, rolling assets into an IRA, or taking a distribution. These alternatives may differ in fees, investment choices, services, withdrawal options, creditor protections, required minimum distributions, tax treatment, and other features. Review all options before deciding.
Insurance and Annuity Information
Insurance and annuity products are subject to eligibility, underwriting, exclusions, limitations, charges, surrender periods, contract terms, and state availability. Product guarantees are backed solely by the claims-paying ability and financial strength of the issuing insurance company. Insurance and annuity products are not bank deposits and are not insured by the FDIC or any other federal government agency unless expressly stated by law.
Accuracy and Changes
We aim to provide useful information but do not warrant that Site content is complete, current, accurate, or suitable for a particular purpose. Laws, tax rules, product terms, market conditions, and regulatory requirements change. We may update, remove, or change Site content without notice.
Third Party Content and Links
Links to third-party resources are provided for convenience and do not necessarily constitute endorsement. We do not control and are not responsible for third-party content, availability, security, terms, or privacy practices.
Intellectual Property
Unless otherwise stated, the Site and its original text, graphics, logos, design, and other content are owned by or licensed to
Richard Aguirre
and are protected by applicable intellectual property laws. You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, republish, sell, scrape, modify, distribute, or exploit Site content without written permission, except as permitted by law.
Acceptable Use
You may not use the Site to violate law, infringe rights, transmit malicious code, attempt unauthorized access, disrupt Site operation, collect information about others without authorization, impersonate another person, submit false information, or use automated systems in a manner that burdens or damages the Site.
Disclaimer of Warranties
To the fullest extent permitted by law, the Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Nothing in these terms excludes a warranty or right that cannot lawfully be excluded.
Limitation of Liability
To the fullest extent permitted by law, the legal website operator, Ricardo Aguirre, Banamerica Financial Group, Inc., and their respective affiliates, personnel, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to use of or inability to use the Site. Any limitation applies only to the extent permitted by applicable law and does not limit liability that cannot lawfully be limited.
Privacy
Use of personal information collected through the Site is described in the Privacy Policy. The Privacy Policy is incorporated into these terms by reference.
Governing Law
These terms are governed by the laws of the State of
[PLACEHOLDER — FILL IN: state approved by legal counsel]
without regard to conflict-of-law principles, except where another law must apply.
[PLACEHOLDER — FILL IN: approved venue or dispute language, if any]
Changes and Contact
We may update these terms by posting a revised version with a new effective date. Questions may be sent to
richard@myretirementnest.com 125 Fairfield Way, Suite 103, Bloomingdale, IL 60108
