{"id":4016,"date":"2026-03-01T14:48:57","date_gmt":"2026-03-01T14:48:57","guid":{"rendered":"https:\/\/pivotplanning.com\/?page_id=4016"},"modified":"2026-04-03T03:21:17","modified_gmt":"2026-04-03T03:21:17","slug":"disclosures","status":"publish","type":"page","link":"https:\/\/pivotplanning.com\/es\/disclosures\/","title":{"rendered":"Disclosures"},"content":{"rendered":"
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TERMS OF USE<\/b><\/div>
Last updated: March 11, 2026<\/b><\/div>
1. About Pivot Planning<\/b> Pivot Planning, LLC (\u201cPivot Planning\u201d) 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.<\/span><\/div>
2. No Investment Advice or Professional Relationship<\/b> 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.<\/span><\/div>
3. Risk of Loss<\/b> 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.<\/span><\/div>
4. Accuracy of Information<\/b> 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\u2019s 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\u2019s Investment Adviser Public Disclosure website using our CRD number: 340094.<\/span><\/div>
5. Website Security and Privacy<\/b> 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.<\/span><\/div>
6. Third-Party Links<\/b> 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.<\/span><\/div>
7. User Comments and Postings<\/b> 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.<\/span><\/div>
8. Professional Designations<\/b> The use of professional designations (such as CFP\u00ae) 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.<\/span><\/div>
9. Contact Information<\/b> For questions regarding these Terms of Use, please contact:<\/span> Jacob DuBose, Chief Compliance Officer<\/b> *6767 S. Vine Street \u00a0PMB 1182, Centennial , CO 80130 – or-\u00a0jake@pivotplanning.com<\/span><\/div>

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Last updated March 10, 2026<\/b>.<\/span><\/div>

Pivot Planning \u2013 SMS Terms & Conditions<\/b><\/p>

1. Program Overview<\/i><\/b><\/p>

Pivot Planning offers SMS messaging for client communication related to ongoing financial planning<\/p>

and advisory services. These messages are intended for conversational business communication and<\/p>

service-related updates. This messaging program is not used for marketing or promotional messaging.<\/p>

2. Opt-In<\/i><\/b><\/p>

Clients may opt in to receive SMS messages from Pivot Planning by providing their mobile number<\/p>

during the client onboarding process or through direct request to communicate via text message.<\/p>

3. Message Frequency<\/i><\/b><\/p>

Message frequency will vary depending on client needs, scheduling communications, and service<\/p>

updates.<\/p>

4. Message and Data Rates<\/i><\/b><\/p>

Message and data rates may apply to messages sent or received through this program. Clients should<\/p>

contact their mobile carrier for details regarding their messaging or data plan.<\/p>

5. Opt-Out<\/i><\/b><\/p>

Clients may opt out of SMS communications at any time by replying STOP to any message received<\/p>

from Pivot Planning. After replying STOP, clients will receive a confirmation message and will no longer<\/p>

receive SMS communications from Pivot Planning unless they opt in again.<\/p>

6. Help<\/i><\/b><\/p>

If assistance is needed regarding SMS communications, clients may reply HELP to any message<\/p>

received or contact Pivot Planning directly at Jake@pivotplanning.com.<\/p>

7. Carrier Disclaimer<\/i><\/b><\/p>

Wireless carriers are not liable for delayed or undelivered messages.8. Privacy<\/i><\/b><\/span><\/p>

Pivot Planning respects client privacy. Information collected through SMS communications will be<\/p>

handled in accordance with the firm’s privacy policy. SMS consent is not shared with third parties or<\/p>

affiliates for marketing purposes.<\/p>

9. Contact<\/i><\/b><\/p>

Pivot Planning<\/p>

Email: jake@pivotplanning.com<\/p>

________________________________________<\/p>

PRIVACY NOTICE<\/b><\/div>
Last updated: March 11, 2026<\/b><\/div>
This privacy notice for <\/span>Pivot Planning, LLC<\/b> (doing business as <\/span>Pivot Planning<\/b>) (“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:<\/span><\/div>