Terms of Use
TERMS OF USE
Last updated: March 11, 2026
1. About Pivot Planning Pivot Planning, LLC (“Pivot Planning”) is a Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training. Pivot Planning is principally located in the state of Colorado and is registered to conduct business in jurisdictions where it is properly registered or exempt from registration.
2. No Investment Advice or Professional Relationship The content on this website is provided for informational and educational purposes only. Nothing on this website should be construed as personalized investment, tax, or legal advice. The publication of any information on this site does not constitute a solicitation or offer to sell investment advisory services. A professional advisory relationship is only established after the execution of a written Advisory Contract and the delivery of required disclosure documents, such as the Form ADV Part 2A.
3. Risk of Loss All investing strategies involve risk and may result in a loss of your original investment. Past performance is not a guarantee of future results. Market conditions can change rapidly, and the information provided here may not reflect the most current market dynamics.
4. Accuracy of Information While Pivot Planning strives to provide accurate and up-to-date information, we do not warrant that the content is free from errors or omissions. The descriptions of our firm’s size, services, and the backgrounds of our personnel are intended to be consistent with our Form ADV. You may verify our firm’s information via the SEC’s Investment Adviser Public Disclosure website using our CRD number: 340094.
5. Website Security and Privacy Our public website does not store, transmit, or receive any non-public client data or information relating to specific client accounts. Please refer to our Privacy Notice for details on how we protect your personal information in other interactions.
6. Third-Party Links This website may contain links to other websites operated by third parties. Pivot Planning provides these links for your convenience only. Unless explicitly stated, Pivot Planning is not affiliated with these third parties and does not endorse or assume responsibility for the content, products, or services offered on external sites.
7. User Comments and Postings If this website permits public comments or postings, Pivot Planning reserves the right to edit or remove any content that contains profanity, defamatory statements, threatening language, or factual errors. We also reserve the right to remove content that infringes on intellectual property rights or contains harmful components like viruses.
8. Professional Designations The use of professional designations (such as CFP®) by our personnel indicates that they have met specific educational and ethical standards. However, the use of such designations does not imply that a regulator has approved or reviewed the specific advice provided.
9. Contact Information For questions regarding these Terms of Use, please contact: Jacob DuBose, Chief Compliance Officer *6767 S. Vine Street PMB 1182, Centennial , CO 80130 – or- [email protected]
Privacy / SMS Policy
Last updated March 10, 2026.
Pivot Planning – SMS Terms & Conditions
1. Program Overview
Pivot Planning offers SMS messaging for client communication related to ongoing financial planning
and advisory services. These messages are intended for conversational business communication and
service-related updates. This messaging program is not used for marketing or promotional messaging.
2. Opt-In
Clients may opt in to receive SMS messages from Pivot Planning by providing their mobile number
during the client onboarding process or through direct request to communicate via text message.
3. Message Frequency
Message frequency will vary depending on client needs, scheduling communications, and service
updates.
4. Message and Data Rates
Message and data rates may apply to messages sent or received through this program. Clients should
contact their mobile carrier for details regarding their messaging or data plan.
5. Opt-Out
Clients may opt out of SMS communications at any time by replying STOP to any message received
from Pivot Planning. After replying STOP, clients will receive a confirmation message and will no longer
receive SMS communications from Pivot Planning unless they opt in again.
6. Help
If assistance is needed regarding SMS communications, clients may reply HELP to any message
received or contact Pivot Planning directly at [email protected].
7. Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.8. Privacy
Pivot Planning respects client privacy. Information collected through SMS communications will be
handled in accordance with the firm’s privacy policy. SMS consent is not shared with third parties or
affiliates for marketing purposes.
9. Contact
Pivot Planning
Email: [email protected]
________________________________________
PRIVACY NOTICE
Last updated: March 11, 2026
This privacy notice for Pivot Planning, LLC (doing business as Pivot Planning) (“we,” “us,” or “our”) describes how and why we might collect, store, use, and/or share (“process”) your information when you use our services (“Services”), such as when you:
- Visit our website, though please note that our public website does not store, transmit, or receive any client data or information relating to specific client accounts.
- Engage with us in other related ways, including our wealth management and financial planning services.
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. As a fiduciary, we are committed to holding all personal information provided to us in the strictest confidence. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at [email protected].
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1. WHAT INFORMATION DO WE COLLECT?
We collect nonpublic personal information (“PII”) necessary to provide you with tailored financial advice. This information is classified into two categories:
- Highly Confidential PII: This includes Social Security numbers, passport information, driver’s license numbers, financial account details, and login credentials.
- Sensitive PII: This includes your address, email address, phone number, and employment-related information.
2. HOW DO WE PROCESS YOUR INFORMATION?
We use your information to provide continuous investment advice and financial planning based on your individual needs, goals, and risk tolerance. We also use it to communicate with you regarding your accounts and to fulfill our regulatory obligations.
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
- No Sale of Information: We do not sell your nonpublic personal information.
- Third-Party Disclosure: We do not disclose information to nonaffiliated third parties except as permitted by law (for example, to your qualified custodian to facilitate trades) or with your specific consent.
- Prior Notice: We will advise you in advance if we anticipate a change in our privacy policy and will provide you with an opportunity to opt-out of such changes.
4. HOW DO WE KEEP YOUR INFORMATION SAFE?
We have implemented administrative, technical, and physical safeguards designed to ensure the security and confidentiality of your personal information. These include:
- Encryption: Any personally identifiable information transmitted over public networks or wirelessly is encrypted.
- Access Controls: Access to your data is strictly limited to authorized personnel who require it to perform their work functions.
- Physical Security: Our principal office is secured with physical locks and motion-detection systems.
5. YOUR PRIVACY RIGHTS
You are entitled to receive this notice prior to or at the time you enter into an advisory contract with us, and we will provide an updated version to you on an annual basis.
6. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email Jacob DuBose, Chief Compliance Officer, at [email protected] or contact us by mail or phone at:
Pivot Planning, LLC
6767 South Vine Street PMB 1182 Centennial, CO 80122
303-350-2450
Form ADV Part 2
FORM ADV DISCLOSURE
Accessing Our Firm Brochure Detailed information regarding Pivot Planning, LLC—including our qualifications, business practices, fees, and any potential conflicts of interest—is available in our Form ADV Part 2A (Firm Brochure). You can view our latest filings and registration status on the SEC’s Investment Adviser Public Disclosure website.
- Firm Name: Pivot Planning, LLC
- CRD Number: 340094
- View Our Filing: Adviser (IAPD)- Link
Requesting a Copy As a registered investment adviser, we are required to provide a copy of our current Firm Brochure to prospective clients either at or before the time an advisory agreement is signed. If you are an existing client or a prospective client and would like to receive a copy of our current Form ADV Part 2A or Part 2B (Brochure Supplement), please contact us directly at [email protected] or 303-350-2450.
Registration Status
Last updated March 11, 2026
Pivot Planning LLC has filed an application for registration as an investment adviser. Advisory services will only be offered after registration becomes effective and only in jurisdictions where the firm is properly registered or exempt from registration.
Registration does not imply a certain level of skill or training.
Disclaimers
DISCLAIMERS
General Information Only All content provided on this website is for informational and educational purposes only. The information contained herein does not constitute a recommendation, solicitation, or offer by Pivot Planning, LLC (“Pivot Planning”) to buy or sell any securities or other financial instruments. The content is not intended to provide personalized investment, tax, or legal advice. You should consult with a qualified professional before making any financial decisions based on the information provided on this site.
Investment Risk Investing in securities involves a significant risk of loss that clients should be prepared to bear. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or investment strategy will be profitable or suitable for a particular client’s financial situation or risk tolerance. Market conditions can change rapidly, and investment selection or overall market dynamics may drive unforeseeable shifts in performance.
No Guarantee of Performance Past performance is not a guarantee of future results. Any historical data, performance results, or mathematical projections provided on this website are for illustrative purposes only and do not represent the actual or future performance of any specific account or investment strategy.
No Professional Relationship Accessing or using this website does not establish a fiduciary or advisory relationship between you and Pivot Planning. A professional relationship is only formed after the execution of a written Advisory Contract and the delivery of all required disclosure documents, including Form ADV Part 2A.
Accuracy of Information While Pivot Planning strives to ensure that the information on this website is accurate and current, we make no warranties or representations as to its accuracy, completeness, or timeliness. The firm’s size, services, and the professional backgrounds of our personnel are described in detail in our Form ADV, which is the official regulatory filing for the firm.
Third-Party Content and Links For your convenience, this website may provide links to other websites or third-party content. Pivot Planning does not control, review, or endorse these external sites and is not responsible for any information, products, or services offered by third parties. Use of any linked website is at your own risk.
Professional Designations The use of professional designations, such as the Certified Financial Planner (CFP®) mark, indicates that the practitioner has met specific educational and ethical requirements. However, such designations do not imply that a regulator has approved or reviewed the practitioner’s qualifications or the specific advice provided.
