Regulatory Framework & Disclosures

Service scope and independent decisions

Aurum Strategy provides educational financial planning frameworks, non-discretionary operational analysis, and research reports. We do not hold client investment capital, take account credentials, execute trades, or exercise trading discretion. All accounts are held directly by clients with their chosen providers. Clients independently assess and execute their decisions.

Website content and research are general educational information, not personalized securities recommendations, legal advice, tax advice, or an assurance opinion. An engagement does not authorize Aurum Strategy to manage an account or make investment decisions for a client. Service descriptions and disclaimers do not establish regulatory status or remove any obligation imposed by applicable law. Services are limited to activities lawfully available in the relevant jurisdiction.

Fees, scope, and session credit

The Budget & Tax-Season Plan is $500 once for a written budget, financial priorities, a tax-strategy checklist, and one review meeting. It does not include tax-return preparation or filing, IRS representation, or legal or tax advice. A qualified tax professional confirms eligibility and applies any tax strategy; tax savings are not guaranteed. The Capital Framework is $2,500 once. Monthly Planning Support is $250 per month under a written support agreement. Portfolio Research & Reporting uses a custom fixed quarterly retainer for a scope-defined mandate. Corporate engagements are $15,000 for 90 days or $7,500 for 60 days. These are service fees; no fee is tied to account value or investment performance. Final deliverables, billing dates, cancellation terms, and any applicable taxes are confirmed in writing before work begins.

The 60-minute strategy intensive costs $150. Its full paid fee is credited toward The Capital Framework when you initiate that engagement within 30 days of the session. The remaining framework fee is $2,350. This is a credit toward services, not a cash refund. The 15-minute fit call is free and covers goals, service fit, and fees; it does not include a personalized financial plan. General inquiries do not book an appointment. Submitting the booking form reserves and immediately confirms an available time, but does not collect payment. Written engagement and billing terms apply before paid work begins.

Corporate operational diagnostics

Our business cash-flow review is an operational diagnostic of cash movement and internal processes. It is not a financial statement audit, attest engagement, certified accounting review, compilation, or assurance service. Aurum Strategy does not represent itself as a licensed CPA firm. Tax filings, legal opinions, financial statement assurance, and other regulated services must be handled by appropriately licensed professionals engaged separately.

Research and projection limitations

Investing involves risk, including loss of principal. Past performance does not predict future results. Projection tools use stated constant-return assumptions for illustration; they do not represent actual client performance, a recommendation, or a forecast. They omit market volatility, taxes, fees, inflation, withdrawals, and changing yields. No growth, savings, financing, income, or business outcome is promised or guaranteed. Historical index context is not the performance of an Aurum Strategy service; an index cannot be invested in directly.

Research may be incomplete, delayed, or affected by changes in market conditions. Verify material information independently and seek appropriately licensed professional advice when necessary. Contractual responsibilities are governed by the signed engagement and applicable law. Nothing on this website waives rights or remedies that cannot lawfully be waived.

Inquiry, scheduling & resource privacy

If you arrive through a referral partner link, we use a first-party cookie for up to 30 days to remember the first active partner on that browser. You can remove the referral on a form before submitting. When you confirm a partner code and referral consent, we retain the first submitted attribution for your email and record eligible commissions separately. The partner may see the original reference, date, source, commission amount, status, and payment notes, but not your name, email, appointment details, financial information, or form answers. Attribution records may be retained to resolve payment disputes and meet legal obligations. Read the referral tracking rules.

We collect the contact details, service interest, optional financial range, and context you submit so we can assess and respond to your inquiry. For bookings, we also store the appointment time, duration, time zone, objective, and status to manage your appointment. Resource requests record your name, email and requested guide; they do not enroll you in marketing emails. Submissions are stored through our hosting provider and available in an access-restricted inquiry desk. We also process limited submission metadata to reduce spam and duplicate requests. Do not send account numbers, brokerage credentials, payment card details, Social Security numbers, or confidential financial documents through this form.

Information may be processed by the service providers needed to operate this website and respond to you, or disclosed when required by law. We do not sell inquiry information. Contact aurumstrategytx@gmail.com to ask about access, corrections, or deletion, subject to applicable record-retention requirements. Internet transmission and storage carry security risks. Use these forms only for initial context, scheduling or resource requests. Available times are confirmed immediately when the booking succeeds; no payment is collected through that form. Contact us by email to request a change or cancellation. Other clients’ appointment details are never displayed in the public agenda.