TERMS OF USE

Effective Date: May 6, 2026
Website: R&R Consulting
Company: R&R Consulting

Welcome to the R&R Consulting website. These Terms of Use govern your access to and use of this website, including any calculators, questionnaires, quizzes, educational content, comparison tools, forms, reports, consultations, scheduling links, downloadable resources, emails, text messages, and related services offered through the website.

By using this website, submitting information through any form, accessing any calculator or quiz, scheduling a consultation, or otherwise interacting with R&R Consulting, you agree to these Terms of Use. If you do not agree, you should not use this website.

1. About R&R Consulting

R&R Consulting provides educational resources, consulting services, practice evaluation tools, firm-comparison resources, transition-related information, lead-matching tools, and advisor-facing business development resources for financial professionals and related users.

R&R Consulting is not a broker-dealer, registered investment adviser, law firm, accounting firm, custodian, insurance carrier, securities exchange, clearing firm, or financial institution. R&R Consulting does not provide legal, tax, accounting, investment, compliance, supervisory, securities, insurance, or regulatory advice.

Nothing on this website should be interpreted as a recommendation to join, leave, affiliate with, invest through, purchase from, sell through, or conduct business with any particular broker-dealer, RIA, custodian, platform, insurance carrier, investment sponsor, financial institution, advisor, or firm.

2. No Investment, Legal, Tax, Compliance, or Regulatory Advice

The information on this website is provided for general informational and educational purposes only.

R&R Consulting does not provide:

Investment advice

Securities recommendations

Legal advice

Tax advice

Accounting advice

Compliance advice

Supervisory advice

Regulatory advice

Broker-dealer services

Investment advisory services

Custody services

Insurance product recommendations

Individualized transition legal guidance

You should consult your own attorney, compliance professional, tax advisor, accountant, broker-dealer, RIA, custodian, transition counsel, or other qualified professional before making decisions based on any information provided through this website.

Financial advisor transitions can involve employment agreements, independent contractor agreements, non-solicitation restrictions, non-compete provisions, confidentiality obligations, privacy rules, Broker Protocol considerations, firm policies, client communication restrictions, regulatory requirements, product limitations, and other legal or compliance issues. R&R Consulting does not review or interpret those obligations for you.

3. Educational Content Only

The content on this website may discuss topics such as advisor transitions, firm economics, payout structures, transition assistance, practice valuation, business models, affiliation options, client acquisition, lead generation, compliance considerations, technology platforms, practice management, and advisor recruiting trends.

This content is educational and general in nature. It may not reflect your specific circumstances, your contractual obligations, your client base, your product mix, your licensing status, your supervisory structure, your state-specific requirements, your current firm’s policies, or your destination firm’s policies.

You are solely responsible for evaluating whether any information on this website applies to your situation.

4. Calculator, Quiz, and Estimator Disclaimers

This website may include calculators, quizzes, estimators, forms, scorecards, comparisons, or other interactive tools. These tools may include, but are not limited to:

Transition assistance estimators

Practice valuation estimators

Pro forma compensation estimators

Firm-fit questionnaires

Advisor affiliation quizzes

Lead qualification forms

Business model comparison tools

Appointment-matching tools

Retirement or financial planning calculators, if applicable

All calculator, quiz, and estimator outputs are illustrative only. They are not guarantees, offers, commitments, promises, quotes, valuations, underwriting decisions, compensation terms, recruiting offers, transition assistance offers, financing offers, legal conclusions, or financial advice.

Actual outcomes may vary significantly based on many factors, including but not limited to:

Firm underwriting

Revenue quality

Asset portability

Product mix

Advisory versus brokerage revenue

Recurring versus transactional revenue

Client retention

Compliance history

Licensing status

State registration requirements

Custodial limitations

Firm policies

Transition timeline

Market conditions

Product sponsor rules

Contractual obligations

Negotiated deal terms

You should not rely on any calculator, quiz, or estimator as the sole basis for making a business, legal, financial, affiliation, transition, or client-communication decision.

5. No Guarantee of Results

R&R Consulting does not guarantee any specific result from using this website or working with R&R Consulting.

This includes, but is not limited to, no guarantee that:

You will receive a transition assistance offer

You will qualify for any specific affiliation model

Any firm will accept or approve your practice

Any firm will offer a specific payout, bonus, deal, loan, forgivable note, equity structure, or transition package

Any practice valuation estimate will match a buyer’s actual offer

Any pro forma estimate will match your actual net income

Any clients will transfer or remain with you

Any lead, prospect, referral, appointment, or introduction will become a client

Any marketing, recruiting, or consulting strategy will generate revenue

Any website, calculator, quiz, form, or funnel will produce a specific conversion rate

Any compliance department, regulator, firm, custodian, or legal professional will approve any specific approach

Past results, examples, estimates, or hypothetical scenarios do not guarantee future outcomes.

6. Advisor Responsibility

If you are a financial advisor, registered representative, investment adviser representative, insurance professional, RIA owner, broker-dealer representative, bank advisor, wirehouse advisor, independent advisor, or related professional, you are responsible for your own professional obligations.

You are responsible for:

Understanding your current firm’s policies

Understanding your contractual obligations

Consulting legal counsel before any transition

Following applicable client privacy rules

Following applicable marketing and advertising rules

Obtaining any necessary compliance approval

Using only approved client communications

Maintaining required books and records

Ensuring that all client communications are fair, balanced, accurate, and not misleading

Determining whether any referral, lead, testimonial, endorsement, solicitation, or compensation arrangement is permitted

Ensuring that any transition, marketing, lead-generation, or client-acquisition activity complies with applicable law and firm policy

R&R Consulting does not assume responsibility for your compliance obligations.

7. Firm, Platform, and Third-Party Information

This website may discuss or reference broker-dealers, RIAs, custodians, wirehouses, regional firms, independent firms, insurance carriers, fintech providers, custodial platforms, investment platforms, clearing firms, technology providers, product sponsors, lead vendors, marketing vendors, or other third parties.

Any such references are for informational purposes only. R&R Consulting is not necessarily affiliated with, endorsed by, sponsored by, approved by, or authorized by any third party mentioned on this website unless expressly stated in writing.

Firm information, platform details, pricing, payout rates, transition assistance ranges, product availability, technology capabilities, policies, and other details can change at any time. R&R Consulting does not guarantee that any third-party information on the website is current, complete, or accurate.

You should verify all information directly with the relevant firm, platform, provider, custodian, legal counsel, compliance department, or other appropriate source before relying on it.

8. Lead Matching, Referrals, and Introductions

R&R Consulting may collect information from advisors, firms, prospects, website visitors, or other users to help evaluate fit, route inquiries, schedule consultations, or make introductions.

Any lead-matching, referral, appointment-setting, or introduction-related activity is subject to applicable laws, rules, firm policies, contractual restrictions, and compliance requirements.

R&R Consulting does not guarantee that any introduction, referral, appointment, lead, or inquiry will result in:

A client relationship

A recruiting opportunity

A transition

A signed agreement

A revenue event

A meeting

A sale

A business relationship

Any specific economic outcome

If you participate in any lead, referral, or introduction arrangement, you are responsible for determining whether the arrangement is permitted under your firm’s policies and applicable law.

9. User Submissions

You may submit information through forms, quizzes, calculators, scheduling tools, contact forms, lead forms, consultation requests, email, phone, SMS, or other website features.

You agree that any information you provide will be accurate, current, complete, and not misleading.

You should not submit confidential, proprietary, privileged, regulated, client-specific, non-public, or sensitive information unless you are authorized to do so and understand the risks of submitting it.

Do not submit:

Client account numbers

Social Security numbers

Full client lists

Client statements

Client tax documents

Confidential firm documents

Non-public compensation agreements

Proprietary firm materials

Information you are contractually prohibited from sharing

Information you are legally prohibited from sharing

R&R Consulting is not responsible for your decision to submit information that you are not authorized to disclose.

10. Communications Consent

By submitting your contact information through this website, you consent to being contacted by R&R Consulting by email, phone, text message, voicemail, or other reasonable communication methods regarding your inquiry, consultation request, calculator result, quiz result, form submission, requested information, or related services.

If you opt in to receive text messages, message and data rates may apply. Message frequency may vary. You may opt out of text messages by replying STOP, and you may request help by replying HELP, where applicable.

Submitting your information does not require you to purchase any service or enter into any agreement.

11. Prohibited Uses

You agree not to use this website to:

Violate any law, rule, regulation, contract, or firm policy

Submit false, misleading, or unauthorized information

Upload malicious code or interfere with website functionality

Attempt to access systems, data, or accounts without authorization

Copy, scrape, reproduce, or misuse website content

Misrepresent your identity, firm, licensing status, or authority

Use the website for unlawful solicitation or spam

Submit confidential client information without authorization

Reverse engineer, duplicate, or commercially exploit the website’s tools or content without permission

Use the website in a way that could damage R&R Consulting or any third party

R&R Consulting may restrict or terminate access to the website at any time if misuse is suspected.

12. Intellectual Property

All content on this website, including text, design, layout, graphics, calculators, quizzes, tools, forms, reports, logos, branding, videos, images, page structure, and other materials, is owned by or licensed to R&R Consulting unless otherwise stated.

You may use the website for your own informational purposes. You may not copy, reproduce, modify, distribute, sell, license, scrape, publish, or create derivative works from website content without prior written permission from R&R Consulting.

13. Third-Party Links and Tools

This website may link to or integrate with third-party websites, platforms, calendars, forms, CRM systems, payment processors, analytics tools, advertising platforms, video platforms, or other services.

R&R Consulting is not responsible for third-party websites, platforms, policies, content, availability, security, accuracy, or practices. Your use of third-party services is governed by those third parties’ own terms and privacy policies.

14. Website Availability and Errors

R&R Consulting makes reasonable efforts to keep the website available and accurate, but the website may contain errors, omissions, outdated information, broken links, technical issues, or interruptions.

R&R Consulting may update, remove, change, suspend, or discontinue any part of the website at any time without notice.

15. No Warranties

This website and all related content, tools, calculators, forms, quizzes, reports, communications, and services are provided “as is” and “as available.”

R&R Consulting makes no warranties or representations of any kind, express or implied, including but not limited to warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability.

16. Limitation of Liability

To the fullest extent permitted by law, R&R Consulting and its owners, employees, contractors, affiliates, vendors, and representatives will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of this website or reliance on any information, calculator, quiz, report, estimate, communication, referral, introduction, or service.

This includes, but is not limited to, damages related to lost revenue, lost profits, failed transitions, lost clients, denied affiliation applications, reduced transition assistance, compliance issues, legal disputes, regulatory matters, business interruption, data loss, reputational harm, or reliance on inaccurate information.

17. Indemnification

You agree to indemnify and hold harmless R&R Consulting and its owners, employees, contractors, affiliates, vendors, and representatives from any claims, damages, liabilities, costs, or expenses arising from your use of the website, your violation of these Terms, your submission of unauthorized information, your violation of any law or contract, or your reliance on website content.

18. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect information.

19. Changes to These Terms

R&R Consulting may update these Terms of Use at any time. The updated version will be posted on this page with a revised effective date. Your continued use of the website after updates are posted means you accept the updated Terms.

20. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, unless applicable law requires otherwise.

21. Contact

Questions about these Terms of Use may be directed to:

R&R Consulting
Email: [email protected]
Website: rmusolutions.com