Terms of Use
Legacy Growth Wealth Management LLC ("LGWM"), a registered investment adviser registered with the State of Florida, doing business as Future Path Financial Planning, provides investment advisory and related services. By using our website, futurepathplanning.com, and its related domains, social media channels, services, information, and tools (collectively, "Website"), you, the User, agree to the following terms. This Terms of Use Agreement ("Agreement") is effective immediately for all Users and is between you and LGWM ("LGWM," "we," or "us").
You agree to our Privacy Policy, which covers how we collect, use, share, and store your personal information. You also agree that you have read and understood LGWM's Disclosures (Form ADV) prior to using the Website. Our Form ADV is publicly available at adviserinfo.sec.gov (CRD# 336296).
1. Mission
At Future Path Financial Planning, we help high-income households stop the compounding cost of uncoordinated financial decisions and build a clear, coordinated path toward lasting financial success. We specialize in integrated investment management and financial planning through our Active Financial Planning (AFP) Program. We believe in a transparent, fee-only structure: no commissions, no product sales, no hidden fees — just fiduciary advice aligned with your interests.
2. Services
For Website Visitors (Non-Clients)
If you are not a client of LGWM, your use of this Website is for educational and informational purposes only. Nothing on this Website is intended to provide legal, tax, or financial planning advice. You are responsible for your own investment research and decisions. LGWM is only one of many resources you may use, and you should not rely on LGWM as the primary basis of your investment decisions. LGWM will not be liable for decisions or actions you take based on information you see on our Website.
For Clients
For clients of LGWM, we provide investment advisory services including (a) Active Financial Planning (AFP) Program services and (b) investment management services. In providing services, LGWM may engage third-party vendors or contractors to assist in fulfilling its duties. When you become a client, you will enter into separate legally binding agreements, including a Client Advisory Agreement, which governs the specific terms of our advisory relationship.
3. User Eligibility
Your use of the Website constitutes your representation that (1) all information you provide is truthful and accurate; (2) you will update your information when changes occur; (3) you are at least 18 years of age; and (4) your use of the Website does not violate any applicable law.
4. SMS/Text Message Terms
Consent: By providing your mobile phone number and opting in to receive text messages from LGWM, you consent to receive informational and service-related SMS/MMS messages. Consent is not a condition of purchasing any services. All client text messages are archived through MyRepChat in accordance with applicable recordkeeping requirements.
Message frequency & costs: Message frequency may vary based on your interactions with our services. Standard message and data rates may apply.
Opt-out: You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us at [email protected].
Privacy: SMS/MMS message content may be retained for compliance and record-keeping purposes. See our Privacy Policy for details.
5. Online Payments
LGWM uses AdvicePay, a third-party payment processor, to collect financial planning fees. By making payments through AdvicePay, you consent to the collection and processing of your payment information by AdvicePay in accordance with their terms of service and privacy policy. Investment management fees are billed directly through Altruist, our qualified custodian, via direct fee deduction from your advisory account.
6. Intellectual Property
The Website and its content — including text, images, graphics, and design — are owned by Legacy Growth Wealth Management LLC and protected by copyright and other intellectual property laws. You may use the Website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
7. Privacy
Your privacy is important to us. Please read our Privacy Policy for information on how we collect, use, and protect your personal information. LGWM maintains written privacy policies and procedures in accordance with Regulation S-P and applicable Florida law.
8. Termination
You may request termination of any account at any time by emailing [email protected]. We may terminate or suspend your access to the Website at any time for any reason without notice. Termination of your Website access does not terminate any existing Client Advisory Agreement, which is governed by its own terms.
9. Limitation of Liability
For non-client users, the liability of LGWM and its officers, employees, and representatives for any claims arising from your use of the Website shall not exceed $25.00. In no event shall LGWM be liable for indirect, special, or consequential damages.
For clients, investment recommendations are opinions only. All investments carry a potential risk of loss, including the loss of principal. Neither LGWM nor its representatives makes any warranty or guarantee as to the performance or profitability of your account(s). LGWM is not qualified to render legal or tax services. Federal and state securities laws impose liability under certain circumstances on persons who act in good faith; this Agreement does not waive any rights under those laws.
10. Indemnification
You agree to indemnify, defend, and hold harmless Legacy Growth Wealth Management LLC and its officers, employees, and affiliates from any liability, loss, claim, and expense related to your violation of this Agreement or use of the Website.
11. Disclaimer of Warranty
This Website and its content are provided on an "AS IS" and "AS AVAILABLE" basis. LGWM makes no representations or warranties of any kind, express or implied, regarding the operation of the Website or the accuracy of its content. To the fullest extent permitted by law, LGWM disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
12. Governing Law & Jurisdiction
This Agreement shall be governed by the laws of the State of Florida. Any disputes arising from this Agreement shall be subject to the exclusive jurisdiction of the state and federal courts located in Okaloosa County, Florida.
13. Changes to Terms
We may update these Terms of Use from time to time. Changes will be posted on this page with an updated revision date. Your continued use of the Website after any changes constitutes acceptance of the revised terms.