These Terms govern your use of our website and our advisory services. By engaging us, you acknowledge that you have read, understood, and agreed to these Terms. A separate Investment Advisory Agreement will govern the specific terms of any ongoing advisory engagement.
By accessing this website or engaging Wealth World Hub, LLC ("Wealth World Hub," "we," "us," "our") for any service, you ("you," "client," "user") agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our website or services.
Wealth World Hub, LLC is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Our principal office is at 162 Skerrols St, Fort Pierre, South Dakota 57532. We provide fee-only financial planning, investment management, tax advisory, and related services to US households. We are not a broker-dealer, insurance company, lender, or bank. We do not earn commissions on any product.
You must be at least 18 years old and a resident of a U.S. state where we are registered to engage our advisory services. We currently maintain registrations in 32 states; we will inform you on first contact if we cannot serve residents of your state. Website access is permitted for informational purposes regardless of residency.
We offer three engagement types: (a) Comprehensive Wealth Management (ongoing, assets under management), (b) Project-Based Planning (one-time flat fee), and (c) Hourly Advisory. Specific deliverables, fees, and term are set forth in a separate Investment Advisory Agreement signed before any work begins.
We provide advice on personal finance, investments, taxes, insurance, mortgages, and debt. We do not provide: legal advice (we coordinate with your attorney), accounting advice beyond tax return preparation performed by our in-house CPAs, specific stock recommendations, or guaranteed returns.
We owe you a fiduciary duty under the Investment Advisers Act of 1940. This means we are legally required to act in your best interest. We will disclose any conflict of interest in writing. We do not receive compensation from any third party in connection with recommendations made to you.
Our fees are disclosed in advance and published on our website. For Comprehensive Wealth Management, the annual fee is 0.85% of assets under management, billed quarterly in arrears, with a minimum annual fee of $4,250. For Project-Based Planning, the flat fee is $3,500 due at engagement. For Hourly Advisory, the rate is $350/hour with a 2-hour minimum.
AUM fees are typically deducted directly from your custodial account with your written authorization. Project and hourly fees are invoiced and payable within 15 days. Late payments may incur a 1.5% monthly finance charge.
Project fees are refundable on a pro-rata basis if we have not begun work. Once discovery has commenced, fees are non-refundable. Hourly fees are non-refundable after the session has occurred. AUM fees are not refundable for partial quarters.
All content on this website — text, graphics, logos, design, software — is owned by Wealth World Hub or its licensors and protected by US copyright law. You may download and print materials for personal, non-commercial use. You may not reproduce, distribute, or create derivative works without our written permission. Financial plans delivered to you are yours to keep and share with your other advisors.
Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. We do not guarantee any specific outcome, return, or tax savings. Any projections included in our planning are hypothetical, based on assumptions we will disclose, and are not promises.
Content on this website is for general informational purposes and does not constitute personalized advice. Advice is provided only within the context of an executed Advisory Agreement.
We may reference third-party research, articles, or data. We do not endorse and are not responsible for the accuracy of third-party content.
To the maximum extent permitted by law, Wealth World Hub, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of our services. Our aggregate liability for any claim arising from advisory services is limited to the fees you paid us in the 12 months preceding the claim. This limitation does not apply to damages caused by our gross negligence, willful misconduct, or breach of fiduciary duty, which are governed by the Investment Advisers Act.
You agree to indemnify and hold harmless Wealth World Hub from any claims arising from your breach of these Terms, your misuse of our services, or your violation of applicable law.
You may terminate our advisory relationship at any time, with written notice, effective within five business days. We may terminate the relationship for: (a) your material breach of the Advisory Agreement, (b) your failure to pay fees, (c) actual or threatened illegal activity, or (d) circumstances where we reasonably believe continued representation would violate law or regulation. Upon termination, we will assist in transferring your accounts to a new advisor of your choice.
Our handling of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.
These Terms are governed by the laws of the State of South Dakota, without regard to conflict-of-laws principles. The federal courts of South Dakota and the state courts of Hughes County, South Dakota shall have exclusive jurisdiction over any dispute.
Any dispute arising from these Terms or our services shall be resolved by binding arbitration administered by the American Arbitration Association in Sioux Falls, South Dakota, under its Commercial Arbitration Rules. Judgment on the award may be entered in any court of competent jurisdiction. You waive any right to participate in a class action.
Nothing in these Terms prevents you from filing a complaint with the SEC (www.sec.gov) or participating in any SEC investigation.
By subscribing to our quarterly newsletter, you consent to receive emails from us. You may unsubscribe at any time via the link in every email or at unsubscribe.html. We do not share your email with third parties.
We may revise these Terms from time to time. Material changes will be notified to active clients by email 30 days before taking effect. The "Last updated" date reflects the most recent revision. Continued use of our services after the effective date constitutes acceptance.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.