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Terms of Use

Please read these terms and conditions carefully. By accessing this website and any pages hereof, you are indicating that you have read, acknowledge and assent to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not access this website. Etzler Financial Advisors, LLC reserves the right to change these terms and conditions and you are responsible for regularly reviewing these terms and conditions. Your continued use of this website constitutes your agreement to all such terms and conditions. As used herein, EFA means Etzler Financial Advisors, LLC and its affiliates.

General information

This website comprises various websites and pages operated by EFA (collectively, the “website”). Certain sections of our pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern for your use of those sections or pages.
Unauthorized use of EFA’s website and systems, including, but not limited to, unauthorized entry into EFA’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any EFA site or service or interfere with any other party’s use and enjoyment of any EFA site or service. You may not attempt to gain unauthorized access to any EFA site or service, computer systems or networks connected to any EFA site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.
The information and materials on this website may contain typographical errors or inaccuracies. EFA reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. Any dated information is published as of its date only, and EFA does not undertake any obligation or responsibility to update or amend any such information. EFA may discontinue or change any product or service described in or offered on this website at any time.

Disclaimer of warranty and limitation of liability

The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. EFA does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. EFA will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, EFA cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither EFA, nor any of its affiliates, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of EFA or of any vendor providing software or services. In no event will EFA or any such parties be liable to you for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if EFA or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. EFA cannot and does not guarantee continuous, uninterrupted or secure access to the website.

Proprietary rights

All right, title and interest in this website and any content contained herein is the exclusive property of EFA, except as otherwise stated. Unless otherwise specified, this website is for your personal and non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without EFA’s prior written approval. If you download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

EFA, the EFA logo and other EFA services referenced herein are service marks of Etzler Financial Advisors, LLC. The names of actual companies and third-party products mentioned herein may be the trademarks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of EFA or such third party which may own the marks.

Pursuant to Section 512(c)(2) of the Copyright Act, EFA designates the following agent to receive notifications of claimed infringement: Matthew R. Etzler, Etzler Financial Advisors, LLC, P.O. Box 100, Red Bluff, California 96080; fax: (530) 527-5237.

Use of links

This website may contain links to and be linked from third-party websites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by EFA of any information contained in any third-party website. In no event shall we be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this website.

No offer

None of the information contained in this website constitutes a solicitation or offer, or recommendation by EFA or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service. EFA does not render or offer to render personalized investment advice or financial planning advice through the EFA website. EFA’s specific advice is given only within the context of our contractual agreements with each client. The EFA website is limited to the dissemination of general information about EFA’s service offerings, and provides an alternative method for prospective clients to learn more about EFA, and contact EFA. Advice may only be rendered after the delivery of Form ADV-Part II, the execution of an investment advisory and/or financial planning agreement by the client and the advisor, and the initial payment of the planning fee or investment advisory fee by the client to the advisor.

The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where EFA is not authorized to provide such information or services. Services described in this website may not be available in all jurisdictions or to all clients.

Privacy policy

EFA respects your privacy. Request the EFA Privacy Policy for disclosures relating to the collection and use of your information.

Choice of law

This agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this agreement shall be in an appropriate state or federal court located in the County of Tehama, State of California and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this agreement, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of this agreement shall continue in full force and effect. This agreement constitutes the entire agreement between EFA and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between EFA and you with respect to the subject matter hereof. A printed version of this agreement shall be admissible in judicial or administrative proceedings.

  • Resource Site for Individuals

    The difference between stumbling blocks and stepping stones is how you use them

    The Path to a Better Advisory Experience

    Welcome to our resource site for personal planning. This site is maintained by Etzler Financial Advisors, LLC as an extension of our services to help clients make more informed financial decisions. Our role as a conflict-free fiduciary advisor is to help you successfully navigate the financial challenges of today and plan for a better tomorrow.

     

    At Etzler Financial Advisors, we strive to ensure that you have the necessary resources to achieve success.
     

    Looking for our employer resource site for corporate retirement plans? >>> Click here.
     

    Not yet a client of Etzler Financial Advisors? Visit www.etzlerfinancial.com or schedule an introductory consultation today!

  • Advisory Profession

    Check out investment brokers or advisers – The Securities and Exchange Commission site to check out a broker or adviser.

    Investment advisers: what you need to know before choosing one – Questions and answers from the Securities and Exchange Commission about investment advisers—what they are and how to go about choosing one.

    Understanding professional designations – FINRA tool to decode the letters that sometimes follow a financial professional’s name. You can also see whether the issuing organization requires continuing education, takes complaints or has a way for you to confirm who holds the credential.

    How to Choose A Financial Planner: Tough Questions To Ask – Questionnaire created by the National Association of Personal Financial Advisors (NAPFA) to assist consumers in selecting a personal financial planner.

    How to Select the Best Financial Advisor – Information and tools from the Paladin Registry.

  • Debts & Liabilities

    Federal Trade Commission Money & Credit – The Federal Trade Commission is the nation’s consumer protection agency that works to prevent fraudulent, deceptive and unfair business practices in the marketplace.

    Annual Credit Report.com – Allows you to request a free credit report once every 12 months from each of the major nationwide consumer credit reporting companies.

    Smart About Money – Program of the National Endowment for Financial Education (NEFE) a nonprofit national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life.

    Credit Karma – Help to understand credit and get more out of it. Provides free credit scores, reports and monitoring, and insight into what it all means.

    Mint – Money management application that tracks spending patterns, investments and more.

  • Estate Planning

    Nolo Law for All – Nolo’s mission is to help consumers and small businesses find answers to their everyday legal and business questions. The Nolo Network is one of the web’s largest libraries of consumer-friendly legal information – all available for free.

    FindLaw – Provides legal information, lawyer profiles and a community to help you make estate planning decisions.

    Estate Planning FAQs – Common questions about estate planning from the American Bar Association.

    California Courts – General information about wills, estates, and probate in California.

    Do I Need a Living Trust? – Information from the California State Bar.

  • Federal Employees

    USA.gov – Learn more about pay and benefits for federal employees.

    OPM.gov – Links to information about federal employee retirement benefits from the U.S. Office of Personnel Management.

  • General Planning

    Kiplinger – Timely, trusted personal finance advice and business forecasts.

    Federal Trade Commission Consumer Information – The Federal Trade Commission is the nation’s consumer protection agency that works to prevent fraudulent, deceptive and unfair business practices in the marketplace.

    Bankrate – Bankrate.com is an independent, advertising-supported publisher and comparison service.

    Let’s Make A Plan – Consumer education site from the Certified Financial Planner Board of Standards, Inc.

    Choose to Save – Consumer education site from the Employee Benefit Research Institute’s Education and Research Fund.

    National Endowment for Financial Education – Nonprofit national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life.

    Financial Planning Association Learning Center

    Federal Reserve Education – Links to instructional materials and tools that can increase your understanding of the Federal Reserve, economics and financial education.

  • Investments

    Morningstar – Independent. Insightful. Trusted. Morningstar provides stock market analysis; equity, mutual fund, and ETF research, ratings, and picks; portfolio tools; and IRA, 401k, and 529 plan research.

    Investor.gov – The consumer education site maintained by the Securities and Exchange Commission.

    Mutual fund and ETF cost calculator – The FINRA Fund Analyzer offers information and analysis on over 18,000 mutual funds, Exchange Traded Funds (ETFs) and Exchange Traded Notes (ETNs). This tool estimates the value of the funds and impact of fees and expenses on your investment and also allows you the ability to look up applicable fees and available discounts for funds.

    Selecting a mutual fund – Consumer information from the Securities and Exchange Commission.

    Savings calculator – FINRA’s savings calculator to see how a consistent approach to investing can make your money grow. Whether saving for a house, a car, or other special purchase, the savings calculator will help you determine the right amount to save on a regular basis to achieve your goal.

    Bond fund information – General information from the Securities and Exchange Commission about bond funds.

    Invest wisely – Basic information from the Securities and Exchange Commission to help investors select a brokerage firm and sales representative, make an initial investment decision, monitor an investment and address an investment problem. It is intended to help you identify questions you should ask and warning signs to look for in order to avoid possible investment problems.

    Saving and investing – The Security and Exchange Commission’s roadmap to saving and investing.

    Variable annuities: what you should know – General information from the Securities and Exchange Commission about variable annuities – what they are, how they work, and the charges you will pay.

    Beginners’ Guide to Asset Allocation, Diversification, and Rebalancing – Some fundamental principles of sound investing from the Securities and Exchange Commission.

    Beginners’ Guide to Investing – Online publications and resources from the Securities and Exchange Commission.

    Beginners’ Guide to Mutual Funds – Online publications and resources from the Securities and Exchange Commission.

    Christine Benz’s 6-Step Portfolio Checkup (video) – Morningstar’s director of personal finance outlines how to gauge your portfolio’s viability, evaluate your allocation, troubleshoot risk factors, and more in this special Web seminar presentation.

  • Protection Planning

    Variable annuities: what you should know – General information from the Securities and Exchange Commission about variable annuities – what they are, how they work, and the charges you will pay.

    Variable annuities and variable life products: questions to ask – Questions and considerations from the Securities and Exchange Commission related to variable annuities and variable life products.

    National Flood Insurance Program – Overview of the National Flood Insurance Program and information and links for property owners.

    National Crime Prevention Council – Information and resources to protect yourself and your family from fraud and identity theft and other crimes.

    Consumer Protection Safety Commission – Information and tools regarding consumer product safety.

    National Fire Protection Association – The authority on fire, electrical, and building safety.

    AM Best’s Credit Ratings – Forward-looking independent and objective opinion regarding an insurer’s, issuer’s or financial obligation’s relative creditworthiness.

    Insurance Information Institute – Improving public understanding of insurance – what it does and how it works.

    Tips for Buying Life Insurance – Brief consumer guide from the National Association of Insurance Commissioners (NAIC).

    Understanding Life Insurance: Should You Purchase, Change, or Cancel a Policy? – Brief consumer guide from the National Association of Insurance Commissioners (NAIC).

    Evaluate Life Insurance – Consumer Federation of America Insurance Group Life Insurance Rate of Return Service.

    California Department of Insurance – Information and tips for consumers.

  • Retirement

    Ballpark Estimate – The Ballpark E$timate is an easy-to-use, interactive tool that helps you quickly identify approximately how much you need to save to fund a comfortable retirement. The Ballpark E$timate takes complicated issues like projected Social Security benefits and earnings assumptions on savings, and turns them into language and mathematics that are easy to understand.

    Top 10 Ways to Beat the Clock and Prepare for Retirement – Tips on planning for retirement from the U.S. Department of Labor’s Employee Benefits Security Administration and a list of sources to call for more information.

    Smart 401(k) Investing – FINRA’s Smart 401(k) Investing takes you through the process of enrolling and managing your 401(k) account, and answers questions about everything from eligibility to rollovers, from vesting to hardship withdrawals.

    National Association of Retirement Plan Participants – On-demand educational experience that will help people avoid common mistakes and navigate the complex world of retirement savings and financial wellness. Highlights of the site currently include: everyday people talking about their financial concerns and questions, tools to help pay down debt and make a budget, and the FI Academy which features simple answers to common savings and financial questions.

     

  • Social Security

    Social Security Quick Calculator – Benefit estimator based on your date of birth and your earnings history. The “Quick Calculator” does not access your earnings record; instead, it will estimate your earnings based on information you provide.

    Social Security Retirement Planner – Provides detailed information about your Social Security retirement benefits under current law. It also points out things you may want to consider as you prepare for the future.

  • Taxes

    IRS Resources

    IRS refund status – Get up-to-date refund information using Where’s My Refund? or the IRS2Go mobile app. Where’s My Refund? is updated no more than once every 24 hours, usually overnight. Refunds are generally issued within 21 days after the IRS receives your tax return.

    IRS withholding calculator – If you are an employee, the withholding calculator can help you determine whether you need to give your employer a new Form W-4, Employee’s Withholding Allowance Certificate to avoid having too much or too little Federal income tax withheld from your pay. You can use your results from the calculator to help fill out the form.

    Sales tax deduction calculator – If you file a Form 1040, and itemize deductions on Schedule A, you have the option of claiming either state and local income taxes or state and local sales taxes. (You can’t claim both.) If you saved your receipts throughout the year, you can add up the total amount of sales taxes you actually paid and claim that amount. If you didn’t save all your receipts, you can still choose to claim state and local sales taxes. You can fill out the worksheet and use the general sales tax tables for Schedule A (Form 1040) or use the sales tax deduction calculator.

    Alternative Minimum Tax (AMT) assistant – Individuals with a higher income may be subject to the Alternative Minimum Tax. Under the tax law, certain tax benefits can significantly reduce a taxpayer’s regular tax amount. The AMT sets a limit on those benefits. If the tax benefits would reduce total tax below the AMT limit, the taxpayer must pay the higher Alternative Minimum Tax amount.

    Business and self-employed tax center – IRS resource site that serves taxpayers who file Form 1040, Schedules C (non-incorporated sole proprietor), E (rental property), F (farm operation) or Form 2106 (employee business expenses), as well as small businesses with assets under $10 million.

    IRS forms & publications – The official online source of IRS tax forms, instructions and publications.

    Partnership tax information – IRS site for tax information related to partnerships.

    Corporation tax information – IRS site for tax information related to corporations.

    State of California Resources

    State of California refund status – Tax refunds from the State of California are generally received within 7-10 days if you e-filed your return or 8-12 weeks from the date you mailed your return.

  • Guides

    Kids and Money: A Guide for Parents – Parents play an important role in teaching children about financial planning, whether they are in preschool or high school. This guide, from the Financial Planning Association®, offers suggestions for teaching kids money skills that they can carry with them the rest of their lives.

    Coping with Death and Injury: Financial Considerations in a Time of Need – A brief guide to help you make calm, rational financial decisions following the death or injury of a loved one. (Financial Planning Association®).

    How to Survive Financially after a Job Loss – Guidance for those who have joined — or are about to join — the ranks of the unemployed. (Financial Planning Association®).

    Financial Planning: Secure Your Retirement – This guide, from the Financial Planning Association®, offers suggestions from financial planners on how to take a big picture, financial planning approach to your retirement plan.

    Budgeting: Managing Your Money with a Spending Plan – This guide will help you find ways to free up more money and give you the peace of mind that comes from being in control of your financial life. (Financial Planning Association®).

    Starting Your Financial Plan: A Beginner’s Road Map – This guide, from the Financial Planning Association®, will help you get started with a road map for your financial life.

    Touching the Future – Guide and Workbook for Estate Planning and Charitable Giving.