Terms of Service

Services Provided

DIYFi Advisors LLC provides one-on-one financial planning and investment advice, delivered in 60-minute sessions. Each engagement is tailored to the client and typically focuses on one or more of the following areas:

• Getting started: Retirement accounts such as a 401(k) and Roth IRA, tax basics, emergency savings, debt repayment, and an introduction to investing.
• Transitioning from a percentage-fee advisor: Analysis of current holdings and fees, brokerage selection guidance, a tax-efficient transfer strategy, fund selection, and asset location.
• Advanced strategies: Topics such as backdoor and mega backdoor Roth contributions, Treasury securities, asset location, tax-loss harvesting, and health savings accounts.

We offer a free 30-minute initial consultation to discuss whether our services fit your needs. The scope of each engagement is described in the client agreement.

Service Limitations

Client understands that our services are limited to the scope described in the client agreement. Unless explicitly stated otherwise, we do not:

• Monitor the client's financial situation on an ongoing basis
• Provide updates to financial advice after completion of services
• Make investment decisions on the client's behalf
• Custody or take possession of client assets

Fiduciary Relationship

We serve as a fiduciary to clients and have a duty of care, loyalty, honesty, and good faith to act in the client's best interests. We are not attorneys, accountants, or insurance agents, and our services should not be construed as legal, accounting, or insurance implementation services.

Client Responsibilities

Clients agree to:

• Provide accurate and complete information about financial circumstances, goals, and objectives
• Promptly inform us of material changes to their financial situation
• Actively participate in scheduled sessions
• Take responsibility for implementing recommendations
• Make all final decisions regarding recommendations
• Maintain sole responsibility for all investment decisions

Fees and Payment

Our fee structure is as follows:

• Session Fee: $99 per 60-minute session
• Minimum Engagement: 3 sessions recommended. You may stop at any time and pay only for sessions already held
• Additional Sessions: Available at $99 per session
• Payment Terms: Each session is paid for before it begins
• No Other Compensation: We do not charge fees based on a percentage of assets, and we do not receive commissions or other compensation from any financial product

Term and Termination

Our agreement continues until services are completed, but not longer than 120 days from signing unless extended in writing. Clients may terminate at any time with written notice and will be responsible for fees earned up to the termination date. We may terminate with written notice and will refund any unearned fees paid in advance.

Confidentiality

All information and advice furnished by either party will be treated as confidential and not disclosed to third parties except as agreed upon in writing or required by law. Our Privacy Policy has been provided to clients.

Acknowledgement of Risk

Clients acknowledge that all investments involve risk, including potential loss of principal. Past performance is not a guarantee of future results. We cannot guarantee any particular financial outcome, and clients retain ultimate decision-making authority for all financial decisions.

Dispute Resolution

Any controversy or claim arising from our agreement will first be addressed through mediation. If unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Applicable Law

Our agreements are made and shall be construed under the laws of the State of Illinois, without regard to conflict of law principles.

Contact Information