Advisers Give Back
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A 501(c)(3) nonprofit

Free financial planning, powered by advisers who give back.

More than 103,000 CFP® professionals have the expertise working families need — and a growing community of them give back pro bono to make a real difference. We built the platform that makes it effortless, and the impact compounds.

Get free help Volunteer as an adviser

No fees. No minimums. No waitlist. Every session is free to the client.

0sessions delivered & counting
2021today

In partnership with

San Francisco Public Library FPA of Maryland — Financial Planning Association Alameda County Library Economic Justice Oakland Public Library Economic Awareness Council

The libraries and community organizations whose neighbors we serve — from the Bay Area to the Midwest to Maryland.

The problem

Advice exists. There's just a wall in front of it.

The typical firm wants a six-figure account. Hourly planning runs hundreds a session. For a working parent, that isn't a barrier — it's a wall. AGB takes it down.

Typical minimum account
$100K
Median hourly planning
$300/hr
With Advisers Give Back
$0
0live paycheck to paycheck
0couldn't cover a $400 emergency
0of households can’t afford the basics
0use a financial adviser of any kind

How it works

From paralyzed to a plan — in three steps.

Tell us your goals

1 · Tell us your goals

A few warm questions match you to a dedicated CFP® professional. No account needed to start.

Meet by phone

2 · Meet by phone

Pick a real open time, then meet your adviser — 30 to 60 minutes, first name only, from anywhere.

Do the plan

3 · Do the plan

Leave with clear next steps and a dashboard that keeps you moving. 68% finish their first task.

The impact

Five years of data. One unmistakable signal.

Clients don't just show up — they come back, and they tell their friends. The line only bends one way.

0clients who scheduled a meeting
0client NPS — world-class
Explore the live dashboard

Clients reached, 2021–2026

Why it scales

Every $1 in, multiplied back out.

Because the work is donated by volunteer professionals, a small budget delivers outsized help. That ratio is our engine — proven at 3:1 today, built for 10:1.

Today
3:1
2028 target
5:1
At full scale
10:1

Client voices

“I went in feeling ashamed and afraid — I nearly canceled. My adviser immediately saw a disparity between who I am and how I see myself. I have a whole new hope I did not have access to before.”
NNoelPro bono client
“After just 15 minutes I had clear goals, a manageable plan, and a huge sense of relief. It made a real difference in my anxiety and mental health.”
AAlessandroPro bono client
“I thought advisers were for ‘rich’ people — not me. He answered all my questions, and I left with manageable goals and clear steps.”
KKristinPro bono client

In their own words

Notes clients sent their adviser after the first meeting.

Real thank-you messages from clients to the volunteer advisers who met with them — shared with permission.

Hi Kathryn — six months after our last conversation, I can see the plan you created is working. My investments are showing results and my savings are growing steadily. Thank you for your guidance.
Natallia · to Kathryn
Thank you so much, Mark. I’ve always found investing daunting, but I’m finally beginning to understand the basics. I genuinely appreciate your patience.
Helen · to Mark
Sarah, thank you for sharing your time and expertise. I’ve taken simple steps to catch up on my savings and set up systems to stay on top of my finances.
Arwen · to Sarah
Thank you, Henry — your expertise helped me feel more in control. I’m more confident now about saving, spending, and building an emergency fund.
Karin · to Henry
Thank you for helping me finally look at my finances — something I’d always put off. I feel more secure now. I was afraid to retire, but not anymore.
Sally · to her adviser
I just wanted to express my sincere gratitude for your guidance. I’m far more confident today than I was a month ago.
Kayla · to her adviser

Referral partners

Built with leading organizations across the country.

Trusted organizations across the country refer the people they serve to a free AGB planner.

TrustPlus SaverLife Harford County Public Library

Who we work with

One mission, four ways in.

Families & individuals

Families & individuals

Free, judgment-free planning from a real CFP® professional.

How it works Wealth firms

Wealth firms

Turn your team's expertise into measurable community impact.

Partner with us Advisers

Advisers

Give back pro bono, on your own schedule — we remove every obstacle.

Volunteer Libraries & nonprofits

Libraries & nonprofits

Bring free financial planning to the people you serve.

Become a partner

Ready when you are

The system was never built for these families. We built it.

Get free help Learn our story

How it works · for individuals & families

A real financial planner, in your corner, free.

If you work hard and money still feels tight, you're not behind — you're in a squeeze millions of households feel. We match you with a volunteer CFP® professional who helps you figure out what to do first, then stays with you while you do it.

Start now — it's free See the results

About 3 minutes to see if it's a fit — no account needed to start.

Who we serve

Too “okay” for aid. Priced out of advice.

You earn too much to qualify for assistance and not enough for a $2,500 financial plan. 42% of U.S. households live in that gap. You don't need a lecture — you need to know what to do first, and someone in your corner while you do it.

What you get

✓

A dedicated adviser

The same CFP® professional, call after call — first name only, no photo, no sales pitch.

✓

A plan you can act on

Clear next steps and a dashboard that tracks the numbers that matter.

✓

Zero cost, zero shame

Free forever. 100% of our best-fit clients rate their adviser's empathy "excellent."

The process, start to finish

Three steps. The first takes three minutes.

Tell us your goals

1 · Tell us your goals

A few warm questions set your goals and match you to a dedicated CFP® professional. No account needed to start.

Meet by phone

2 · Pick a time, meet by phone

Choose from real open times, then meet your adviser — 30 to 60 minutes, first name only, from anywhere.

Do the plan

3 · Do the plan

Leave with clear next steps and a dashboard that keeps you moving between calls.

Why it's free — and where's the catch?

There isn't one. AGB is a nonprofit, and your adviser is a CFP® professional volunteering their time with nothing to sell you. No products, no commissions, no upsell — ever. In fact, the CFP Board asks every CFP® professional to give at least 20 hours of pro bono a year — we just make it easy.

Start now — it's free

For wealth management firms

Turn your team's expertise into measurable community impact.

A turnkey pro bono program — one of the highest-leverage ways to live your values, engage your advisers, and report real outcomes. We handle the infrastructure; your people do the work they trained for. The CFP Board encourages every CFP® professional to give 20+ hours of pro bono a year — we make it easy for your whole team to get there.

Talk to our team

Your leverage

Today
3:1
2028 target
5:1
At full scale
10:1

Every $1 of program cost delivers $3 of donated professional advice — and climbing.

0sessions delivered by volunteer advisers
0client NPS your team earns
3:1community services per $1 of cost
$0cost to the families you serve

Why firms partner

Impact your funders can see — and your team can feel.

A giving program that runs itself

No cold calls, no client acquisition, no tooling to build. We match, schedule, and measure. Your advisers just show up.

Engagement & retention

An internal champion network, a firm leaderboard, and mentorship for younger advisers — meaning built into the work.

Reporting funders trust

Firm dashboards, sessions delivered, and NPS surveys close the loop for your CSR and ESG reporting.

Firms already in

In good company.

Lead firm partner · president on the AGB board
Two board members · active volunteer program
One of three approved ways employees give back
★ Top of the leaderboardMost sessions delivered · CEO on the AGB board
Active volunteer partner

Give your firm's expertise somewhere it changes lives.

Talk to our teamSee the impact

For individual advisers

Do the work you love. We handle the rest.

You became a planner to help people — not to prospect. Volunteer entirely on your own schedule — as often or as little as you like — and we remove every obstacle: no finding clients, no building tools, no admin. Just a prepared brief and a great conversation. The CFP Board encourages every CFP® professional to give at least 20 hours of pro bono a year — we make hitting that effortless.

Become a volunteer
A volunteer adviser, giving back
Flexiblemeet whenever you want — you set the schedule
0sessions volunteers have given
0client NPS your work earns
$0ever charged to a client

Why advisers love it

Meet whenever you want

You set your own schedule and how long each meeting runs — volunteer as often or as little as you like. Clients pick from your real open times.

Zero friction

Get the client brief through your Adviser Interface — goals, situation, and what they need. No cold calls, no sales.

Continuity that matters

The same client stays with you over time, so you see the plan actually work — and so do they.

How volunteering works for you

Three steps, then a great conversation.

1 · Set your availability

Choose your windows and how long a first meeting runs. You're never double-booked or surprised.

2 · Get a prepared brief

Before each call, your Adviser Interface hands you the client's goals and situation — no cold start.

3 · Have the conversation

Do what you trained for. The platform tracks follow-through and keeps your client moving between calls.

Give your expertise. Change a family's trajectory.

Become a volunteerBring your whole firm

For libraries, nonprofits & community partners

Bring free financial planning to the people you serve.

If you serve working families — a library system, a CBO, an employer, a nonprofit — AGB gives you a free, turnkey financial-planning benefit to offer your community or constituents. We provide the advisers and the infrastructure; you provide the trusted front door.

Partner with us
Bring free financial planning to the people you serve

Community partners

  • SF Public Library Bay Area pilot anchor; partner since AGB’s launch.
  • Oakland Public Library Bay Area pilot anchor; a senior librarian sits on the AGB board and bridges to community.
  • Bright Bees San Jose cohort partner; community org serving Bay Area working families on modest incomes.
  • SF Office of Financial Empowerment Active referral source; city co-investment in financial-wellness programming.
  • Economic Awareness Council Chicago-based nonprofit; AGB integrated into their student programming.
  • FPA of Maryland AGB powers the pro bono solution on their website and handles all volunteer infrastructure.

Bay Area pilot · Place-based · Launches 2026

Bay Forward: free, expert financial planning, built into the Bay Area.

Connecting lower-income Bay Area families who’ve never had access to a financial planner with the pro bono CFP® professionals ready to serve them. Free. No minimums. No waitlist.

Get your free planPartner with us
The San Francisco Bay Area
0pro bono planning meetings since 2021
0NPS — world-class by any benchmark
0to-dos completed after a first meeting
3:1value delivered per $1 — proven, today

For Bay Area residents

Live in the Bay Area? Get a free plan.

One free, judgment-free conversation with a real CFP® professional — then a clear, doable plan. No account, no minimums, no cost, ever. Pick a time that works and we’ll match you.

Get started free

The pilot

What Bay Forward is

AGB’s first place-based pilot — a hub-and-spoke model that embeds free, one-on-one CFP® financial planning into trusted community institutions across the Bay Area. It launches in 2026 and becomes the national playbook for every city that follows.

Always free

Every 1:1 session is free — no application, no minimum, no waitlist.

Virtual + on-site

Advisers meet clients where they are — at a partner location or by phone.

Ongoing relationships

Clients come back for as many sessions as they want.

Behaviorally designed

Built with the Common Cents Lab at Duke to move people from knowing to doing.

Two volunteer tracks

Track A for CFP® holders; Track B for ops and marketing staff at partner organizations.

$0 vs. $100K

The typical wealth firm requires a six-figure minimum. AGB charges nothing.

Who we serve

Working families the system leaves out.

Families across the Bay Area who earn above the poverty line but below the threshold of financial security — and communities of color hit hardest by the wealth gap.

About 42% of U.S. households — some 55 million families — can’t consistently afford the basics. The Bay Area’s cost of living makes that gap even sharper. The typical wealth-management firm requires a $100K minimum to get help. AGB charges $0.

0of U.S. households can’t afford the basics
0families below the financial-security line
$100Ktypical minimum at a wealth firm
$0what an AGB client ever pays

Where we operate

Rooted in trusted community anchors.

Bay Forward embeds planning inside the institutions Bay Area families already know and trust.

San Francisco Public Library

Active referral partnership, with a co-referral channel through the SF Office of Financial Empowerment — reaching families across San Francisco.

Oakland Public Library

A senior librarian on the AGB board bridges us to East Bay communities and connections across Oakland.

Alameda County Library

Extending the hub-and-spoke network deeper into the East Bay.

Economic Justice Center

A launch partner connecting AGB to families working toward economic mobility.

BrightBee — San Jose

A community org serving South Bay families, including classified staff at local school sites.

The Health Trust — San Jose

A South Bay foundation partner supporting the Silicon Valley expansion.

Local adviser base: roughly 25 CFP® professionals active or committed across the Bay Area — from firms including Corient, Wealthspire, Focus Partners, Altair, and independent practices. Year-one goal: 500 clients served, about $500,000 in donated financial planning.

Get involved

Four ways to move Bay Forward.

Volunteer as an adviser

Two tracks, both matter. Track A: CFP® professionals take 1:1 sessions pro bono. Track B: colleagues in ops, marketing, or client service coordinate scheduling and cohort logistics — no CFP required. AGB handles the rest.

How advisers volunteer

Bring Bay Forward to your community

Run a library, CDFI, community org, or social-service program serving Bay Area families? We’re expanding our network and integrate cleanly — we don’t compete with your existing financial-wellbeing efforts.

Partner with us

Put your firm’s advisers to work

Bay Area wealth-management firms get a turnkey pro bono program plus impact dashboards that solve their reporting challenges — while their advisers change local lives.

For firms

Fund the Bay Area buildout

Bay Forward is cultivating Bay Area foundations and donors focused on economic mobility. An introduction to an aligned program officer at this early stage is meaningful — and we handle the follow-through.

Fund our work

The scale path

Built in the Bay Area. Deployed everywhere.

The playbook we build here deploys to every city that follows — each metro drawing on Bay Forward’s community-anchor model and impact data, toward a north star of 100,000 people a year.

2026 · Bay Area

Proof of concept

Playbook built. 500 clients. ~25 advisers. 3:1 value delivered.

2027 · Next metro

Replicate

The Bay Forward model applied elsewhere. Community anchors secured. 5:1 leverage.

2028 · National

Scale

Five metro areas. 5,000 clients a year. 10:1 leverage.

“My adviser was both financially and emotionally intelligent — the perfect person to hear some ‘tough love’ from. I’ve implemented most of the strategies and I’m seeing my finances more clearly, with a greater sense of control.”
AAnitaPro bono client · Bay Area

About AGB

Founded in January 2020 on a mission to help close the gender and racial wealth gaps. Our board includes leaders from Wealthspire, Corient, Focus Partners, Altair, and the Oakland Public Library, and our 990 filings are public on Candid.

Talk to us about Bay ForwardSee our impact

Program · Building the profession

The Mentorship Program: growing the next generation of planners.

AGB pairs aspiring planners from backgrounds underrepresented in financial planning — students, career-changers, and CFP® candidates — with experienced professionals who guide them into the field. It builds a more representative pipeline of planners, and deepens the volunteer community that powers our pro bono work.

Become a mentorApply as a mentee
Mentorship — pairing new planners with experienced pros

Why it matters

Change who becomes a planner.

The financial-planning profession doesn’t yet reflect the families it serves — too few planners come from the communities hit hardest by the wealth gap.

Mentorship is how we change that: by opening a clear, supported path into the profession for people who’ve never seen it as an option. Many mentees go on to volunteer with AGB — so every planner we help train helps more families get served.

The funding story

Launched with SchwabFounding support from the Charles Schwab Foundation got the program off the ground.
Ready to growThat launch funding is now fully deployed — renewed support would expand who we reach.
Two-sided impactMentees gain a career path; the pro bono network gains new advisers.
No cost to menteesGuidance, exam support, and connections — free.

How it works

Matched, guided, and welcomed into the field.

1 · Matched one-to-one

Each mentee is paired with an experienced CFP® professional who fits their goals and background.

2 · Structured guidance

Regular sessions over the program term — exam preparation, real-world skills, and career navigation.

3 · A path to practice

Mentees build the confidence and connections to enter the profession — and many join AGB’s pro bono community.

4 · We handle logistics

Matching, scheduling, and structure are all run by AGB, so mentors and mentees can focus on the relationship.

For mentors

Give the leg up you wish you’d had.

Experienced CFP® professionals shape the future of the profession — and often say mentoring is the most rewarding volunteering they do. Flexible, on your own schedule.

Become a mentor

For mentees

A real path into financial planning.

Aspiring planners from communities underrepresented in the profession get one-on-one guidance from someone who’s done it — at no cost, from anywhere.

Apply as a mentee

Help build a profession that looks like the families it serves.

Get involved with mentorship

Our story

Where we come from — and why it matters.

AGB began with a hard truth: education alone doesn’t change financial behavior. Working with Prof. Dan Ariely and the Common Cents Lab at Duke, our founder helped build an online intervention grounded in behavioral economics — one that moves people from knowing what to do to actually doing it. A conversation with Fred Barstein of The Retirement Advisor University named the other half of the equation: “Advisers want to give back. There’s just no easy way to do it.” AGB became the vehicle to close that gap — matching willing advisers with the working families who need them most.

What turned that idea into an organization is our board. From the very beginning, they have lent their expertise, networks, and credibility to the mission — steering AGB with a shared conviction that high-quality financial advice shouldn’t be a privilege reserved for the wealthy. Their generosity and guidance are a big part of why the model works.

And at the heart of it all are the advisers. A dedicated community of CFP® professionals give their time pro bono — many of them volunteering year after year — sitting down with families they’ll never bill and helping them turn worry into a plan. AGB exists because they keep showing up.

“Just because you know the right thing to do doesn't mean you actually do it. We built a system to bridge that gap.”

Timeline

2020

Incorporated

AGB files as a California nonprofit — weeks before the pandemic forced a complete pivot.

2020

Pandemic pivot

The in-person model is scrapped overnight for a fully virtual platform. A six-month pilot runs with the SF FPA chapter, funded by the Foundation for Financial Planning.

2021

Platform launches

advisersgiveback.org goes live nationally in April. Firms begin onboarding as volunteer partners.

2024

Scale & validation

2,000+ clients served. A T. Rowe Price Foundation pilot in Baltimore completes 89 first meetings. NPS reaches 73.

2025

Measuring impact

AGB launches its Impact Dashboard. Wealthspire features AGB at their national conference.

2026

Bay Area launch

The first place-based pilot launches across SF Public Library, Oakland Public Library, and Bright Bees. The playbook for national scale begins here.

Where we're headed

The North Star: 100,000 people a year.

That's the full build-out we're building toward — and we're honest that it's a long way off. The nearer milestone that proves the model: 5,000 people a year across five metro areas, at a 10:1 leverage ratio.

Place-based launch

The Bay Area pilot is the national proof of concept — a hub-and-spoke model across libraries and community orgs, with a playbook built to travel.

Platform & technology

A rebuilt adviser interface and AI-driven engagement reduce onboarding delays and increase sessions per volunteer.

Firm & funder partnerships

Tiered firm partnerships plus multi-year foundation grants fund capital-efficient, city-by-city scale.

Governance & transparency

Run lean. Built for impact.

Advisers Give Back is a 501(c)(3) nonprofit governed by people personally connected to both the problem and the solution. Board service shows up in dashboards, in funder reports, and in the lives of families who've never had access to this level of expertise.

Status501(c)(3) nonprofit · EIN 84-4685390
FoundedJanuary 2020 · California
Revenue mix~50% donations · ~25% firm partnerships · ~25% foundations
990 filingsPublicly available on Candid
Financial auditIn progress · target 2026

The board

Leaders who bring the network, the expertise, and the conviction.

Our board is drawn from wealth management, public libraries, corporate communications, and the C-suite — connected by a belief that the financial-planning profession owes something to communities it has historically excluded.

M

Matt Iverson-Comelo

Executive Director

Advisers Give Back

Founder; 14 years in fintech; built AGB's behavioral platform with Duke's Common Cents Lab.

J

Jordan Dyson

Board Member

Focus Partners

AGB's internal champion at Focus Partners, opening doors to adviser volunteers across the firm.

Z

Zack Morse, CFP®

Treasurer

Corient

Financial adviser and active AGB pro bono volunteer — board-level stewardship and practitioner credibility.

L

Lisa Neira, CFP®

Board Member

Corient

Active pro bono volunteer bringing marketing and communications expertise alongside direct client service.

E

Eric Sontag

Board Member

Wealthspire Advisors, President

Proved firm leadership can drive a meaningful volunteer culture; connected AGB to Wealthspire's network.

R

Rebekah Kohmescher

Board Member

Altair Advisers, CEO

A civic connector with an extraordinary network and one of the profession's loudest voices for pro bono access.

C

Carey McKenzie

Board Member

T. Rowe Price

Champion for expanding financial access to low- and moderate-income households; deepens funder relationships.

C

Celia Davis

Board Member

Oakland Public Library

Senior librarian and community advocate — the bridge between AGB and the public-library ecosystem.

J

Jesse Chen

Board Member

SS&C Technologies

Award-winning PR & communications lead building AGB's media strategy and national storytelling.

Board service

What we ask. What we need.

There's no personal financial giving requirement. What matters is passion for the problem, willingness to make connections, and follow-through. What matters most right now:

1

Introductions

To firm leaders, foundation program officers, library directors, and community organizations.

2

Strategic insight

Business-model development, revenue diversification, and operational guidance.

3

Accountability

Show up. Follow through. The pre-read and action-item framework is built for it.

Open board profiles

We're actively recruiting three specific types of leaders:

01

Community / nonprofit partner

Expert in place-based outreach through library systems, CBOs, or similar infrastructure.

02

Strategy & development

Foundation and major-donor relationships; sustainable nonprofit revenue models.

03

B2C marketing expert

Consumer marketing — ideally fintech or personal finance — to reach clients at scale.

Know someone? Introduce us

Live · updated just now

Impact, in the open.

This dashboard reflects real platform data — the clients we've reached, the work advisers have donated, and the leverage that makes it sustainable. Deep transparency is how we earn trust with families, funders, and partners alike.

5,011clients who scheduled a meeting
3,105pro bono sessions completed
68%task completion after first meeting
73client NPS — world-class
21,841total client logins

Clients reached over time

Built to compound.

The leverage story

Every dollar in, multiplied back out.

Because the work is done by volunteer professionals — not paid staff — a lean operating model delivers outsized professional services. That's the ratio we're built to grow.

Phase 1 · achieved

3:1

Every $1 of operating capital unlocks $3 in pro bono professional services. Proven, running now.

Phase 2 · 2028 target

5:1

A new adviser interface, AI-driven engagement, and adviser training cut delivery friction — more sessions per adviser.

Phase 3 · at full scale

10:1

At national scale: lower marginal cost, a self-reinforcing partner network, and the efficiency that puts 100,000 people a year within reach.

Who we serve

The "squeezed middle" — earning enough to feel shame, not enough to feel secure.

Our highest-impact client isn't in crisis. She's in the squeeze: a respectable income, the wrong debt, and no expert to tell her what to prioritize. She's not looking for sympathy — she's looking for a professional to help her move from paying off the past to building the future.

73%of our super-promoters are women, 25–44
100%of this segment rate adviser empathy "excellent"
45%already have a 401(k) — optimizing, not starting
28%more web sessions than average — they treat planning as work

Who we serve · by the numbers

Who walks through the door — told anonymously.

Clients share their situation with us voluntarily. Aggregated across 6,000+ of them, this is who Advisers Give Back reaches — no individual is ever identified.

0earn under $75,000 a year
0have less than $5,000 saved
0are women (of clients who share)
0are people of color (of clients who share)

What they’re working on

Pay off debt
32%
Make the most of their money
26%
Invest better
12%
Buy a home
8%
Build an emergency fund
8%
Save for retirement
7%

What they earn

Under $25k
25%
$25k–$50k
24%
$50k–$75k
21%
$75k–$100k
18%
$100k+
11%

Most also carry the wrong kind of debt — credit cards and student loans lead the list — and many receive SNAP or Medicaid.

And it moves people forward.

After sitting down with a planner, 52% have saved a $1,000 emergency fund, and 68% complete the concrete next steps their adviser gives them.

In their words

What changes when someone finally gets a plan.

Testimonials and thank-you notes clients have given us permission to share — the human side of the numbers above.

AGB helped me set reachable goals and showed me the path to get there. I feel more confident — even in an uncertain economy.
William · pro bono client
I moved my ABLE account out of checking and into a growth investment, so I can finally work toward buying a car. Thank you, Janet!
Scott · in a note to his adviser
My adviser showed real compassion and empathy — and gave me great advice to start my financial recovery.
Michael · pro bono client
I left the session feeling empowered. Thank you!
Nancy · in a note to her adviser

You’ve seen the impact. Now help multiply it.

Every dollar you give becomes about $3 of free, expert financial planning for a family who could never otherwise afford it.

Donate Partner with us

Full transparency

Nothing to hide. Everything to prove.

Legal status501(c)(3) · EIN 84-4685390
Revenue mix~50% donations · 25% firms · 25% foundations
Leverage ratio3:1 proven · 10:1 target
990 filingsPublic on Candid
Financial auditUnderway · target 2026

In production this dashboard is connected live to AGB's database and refreshes in real time. Figures shown reflect March 2021 – February 2026.

Help us take it to scale.

Partner with us Get free help

Fund our work

Multiply every dollar you give.

AGB turns roughly every $1 of operating capital into $3 of donated professional financial planning — a leverage ratio we're driving toward 10:1. Your gift doesn't just fund a program; it unlocks the volunteered time of credentialed experts across the country.

Advisers Give Back is a 501(c)(3) nonprofit (EIN 84-4685390). Your gift is tax-deductible.

See the impact first

What your gift makes possible

Real people. Real plans. Real relief.

Every gift becomes time with a credentialed professional — and a turning point for a family who never thought this kind of help was for them.

“I went in feeling ashamed and afraid — I nearly canceled. My adviser immediately saw a disparity between who I am and how I see myself. I have a whole new hope I did not have access to before.”
NNoelPro bono client
“After just 15 minutes I had clear goals, a manageable plan, and a huge sense of relief. It made a real difference in my anxiety and mental health.”
AAlessandroPro bono client
“I thought advisers were for ‘rich’ people — not me. He answered all my questions, and I left with manageable goals and clear steps.”
KKristinPro bono client
0rate their first meeting a perfect 10 / 10
0feel more confident about their finances
0would recommend AGB to someone like them
Donate & fund a plan

Where your gift goes

A capital-efficient force multiplier.

Because the work is done by volunteer professionals rather than paid staff, a modest budget delivers outsized services. Gifts fund the platform, the adviser experience, and the place-based pilots that let us scale city by city.

3:1services delivered per $1 today
10:1our north-star leverage ratio
$0what a client ever pays

Foundations that fund our work

  • T. Rowe Price FoundationGrant funding for our city-by-city expansion.
  • Charles Schwab FoundationFunded the launch of our CFP® Mentorship Program.
  • Foundation for Financial PlanningFunder of our founding pilot.

Transparency & financials

Nothing to hide. Everything to prove.

We're a lean 501(c)(3) governed by people connected to both the problem and the solution. Here's exactly how we're structured, funded, and held accountable.

The essentials

Legal status501(c)(3) · EIN 84-4685390
FoundedJanuary 2020 · California
Revenue mix~50% donations · 25% firms · 25% foundations
Leverage ratio3:1 proven · 10:1 target
990 filingsPublic on Candid
Financial auditUnderway · target 2026

Governance in place

✓

Corporate bylaws

Adopted June 2020. Board of 4–15, annual terms, quarterly meeting minimum, officer roles defined.

✓

Conflict-of-interest policy

Annual disclosure required of all directors; recusal procedures defined.

✓

Whistleblower policy

Good-faith protections and confidential reporting in the bylaws.

✓

Document retention

Minutes in perpetuity; tax records seven years; legal files ten years.

See the impact dashboardFund our work

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Advisers Give Back, Inc. · 501(c)(3) · adviser@advisersgiveback.org

Legal

Privacy Policy

Last updated: October 6, 2020

Your California Privacy Rights

Under California law, customers who are California residents are entitled to annually request and obtain information about the personal information we shared, if any, with other businesses for their own direct marketing during the previous calendar year. If applicable, the information would include the categories of personal information and the names and addresses of those businesses with which we shared personal information. To make such a request, please send an email to  privacy@advisersgiveback.org . Written requests may be sent to 490 43rd St. Suite 350, Oakland, CA 94609. Please note that not all information sharing is covered under the California law, and only information on covered sharing will be included in our response.

Scope of This Policy

This privacy policy (“Policy”) explains how Advisers Give Back, Inc. collects, uses and discloses your personal information with respect to your use of the Web site located at advisersgiveback.org (the “Site”), except that this policy does not apply to your use of, or to any personal information you disclose or that is otherwise collected in connection with, any individual.

Changes to This Policy

We reserve the right to change the provisions of this privacy policy at any time by posting the revised Policy on the Site and indicating on the Policy the date it was last updated. We encourage you to review this Policy whenever you visit our Site to determine if any changes have been made and to make sure that you understand how personal information you provide will be treated.

Personal Information We Collect

We collect various types of information about you during the normal course of our activities such as when you use our Site or if you otherwise interact with us. This information includes personal, demographic and aggregate data. “Personal information” means information that identifies an individual, such as your name, address, telephone number and email address or that is associated with an identifiable person (such as demographic information or information about a person’s activities when such information is linked to personally identifying information). Personal information does not include aggregate information, which is data we collect about the use of the Site or categories of such users, from which any personal information has been removed. Aggregate data is used for a number of purposes such as to help us understand trends and user needs so that we can improve our products and services and is not subject to this Policy. Demographic information, such as your age, geographic area, economic and retirement profile and personal preferences, is treated as personal information under this Policy only if it is linked to personally identifiable information such as your name and email address.

Personal information you voluntarily provide us may be collected in a number of ways through the Site, such as when you register for an account, create a profile or send us an email. In addition, from time to time we may collect personal information that you provide in connection with participation in surveys, promotional offers, and other activities on the Site. We also may collect credit card or other payment account information if you donate through the Site.

We automatically receive certain types of information whenever you use our Site. For example, when you visit our Site, we collect the type of browser you use, your Web site usage information and the Web site from which your visit originated. See below for information on the use of cookies, web beacons and similar technologies.

Uses of Personal Information

We use your personal information for a variety of purposes such as to process your requests or transactions, to facilitate your use and our administration and operation of the Site, to provide you with information or services you request, to inform you about other information, events, promotions, products or services we think will be of interest to you, to learn more about and improve the Site and for the purpose for which information was provided. The following are some examples of how we use your personal information:

  • To provide you with the services you request, customize content, complete transactions or enable the use of any features
  • To send you a welcoming, account related or customer service email
  • To send you a welcoming, account related or customer service SMS message
  • To send you a welcoming, account related or customer service in-app message
  • To contact you about our or a third party’s services, products, activities, special events or offers
  • To respond to your emails, SMS messages, in-app messages, submissions, comments, requests or complaints
  • To process donations
  • To request feedback and to enable us to develop, customize and improve the Site, our services and new offerings; and
  • To notify contest winners.

Sharing of Personal Information

Advisers Give Back does not sell or rent personal information to third parties or share personal information with third parties except as described in this Policy, as it may be revised from time to time. We may share personal information with third parties when you request us to do so or otherwise give your consent. We may also share personal information with consultants, vendors and service providers (“Service Providers”) who perform functions on our behalf. In addition, we may share your information with third parties if we have a good faith belief that the disclosure is necessary or appropriate to comply with law or legal process; to protect and defend the rights and property or personal safety of Advisers Give Back, our customers or the public; to prevent and protect Advisers Give Back and our users from fraudulent, abusive, unlawful or unauthorized use of the Site; or to otherwise enforce our rights and agreements. Your personal information also may be disclosed or transferred as part of, or during negotiations of, any merger, financing or in any other situation where personal information may be transferred as one of the assets of Advisers Give Back.

Use of Cookies, Web Beacons and Similar Technologies

The Site may contain “cookies.” A cookie is a piece of data that is stored on your hard drive and records your preferences and other data about your visit to the Site. If we combine cookies with or link them to any personally identifiable information, we will treat this information as personal information; otherwise it is treated as and used in the aggregate. Clear gifs (also know as web bugs or web beacons) may also be used on the Site or in emails relating to the Site. Clear gifs are small, invisible graphic images that allow the collection of certain information and monitor user activity on the Site. We use cookies, clear gifs, frames, server log analysis and other technology to customize your experience with our Site. Most internet browsers will allow you to erase cookies from your hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. If you block cookies, some portions of the Site may not function properly.

Links to Other Websites

Any links from the Site to third party Web sites are provided for your convenience. Personal information you provide on the linked pages is provided directly to that third party and is not subject to this Policy. Please review the third party’s privacy policy to better understand their privacy practices.

Protecting Personal Information

To help protect the confidentiality of your personal information, do not share your password with any other person. You are responsible for all uses of the Site by any person using your password. Please advise us immediately if you believe your password has been compromised or misused.

Opting Out

If you do not wish to receive promotional email from Advisers Give Back about our or third party products and services, you may opt out at the time of registration or by logging in to your account settings online and updating your contact preferences. Please note, even if you opt out of receiving promotional email from Advisers Give Back, you may still receive transactional and relationship emails, including messages relating to transactions or services you have specifically requested, responding to any email from you to us, notifying you of updates or changes to our policies and procedures, or which otherwise provide you with information we believe is important to users. Our systems require time to update, so your opt out requests may not update immediately.

Contact Information to Correct and Update Personal Information or Obtain Additional Information

If you have any questions, complaints or comments regarding our Policy or practices or you wish to verify, correct or delete any personal information we have collected, please contact us at  privacy@advisersgiveback.org . We will endeavor to respond to your inquiry or information request to the extent possible.

Legal

Terms of Use

Last updated: October 27, 2021

The Services are provided by “Advisers Give Back, Inc” (a non-profit organization) are for informational purposes only, to assist you in managing your own finances and decision-making. Neither Advisers Give Back nor the Services are intended to provide legal, tax or financial advice. Advisers Give Back is not a financial adviser, investment adviser, financial planner, broker or tax adviser. Your personal financial situation is unique, and therefore any information and/or recommendations obtained through the Services may not be appropriate for your own situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

Your use of the Advisers Give Back application is completely voluntary and you are free to withdraw from it at any time. Any information provided will be analyzed anonymously and reported only in aggregate. Throughout your use of Advisers Give Back you may be participating in a study. The purpose of these studies will be to better understand the ways in which people make financial decisions. There are no known risks or benefits for participating in these studies.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, POLICIES AND GUIDELINES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEB SITE.

These terms and conditions of use (“Site Terms”) apply to your access to, and use of, the Web site of Advisers Give Back located at advisersgiveback.org (the “Site”) and the collection of resources, data, software, tools and other services available from Advisers Give Back on the Site. These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Advisers Give Back, or its subsidiaries or affiliates, for products, services or otherwise.

No Investment Recommendations or Professional Advice

The information provided on this Site is for general informational purposes only and should not be considered an individualized investment recommendation or personalized investment advice. Nothing on the Site or in the Services is intended to provide tax, legal, insurance or investment advice or should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product or service by Advisers Give Back or any associated third party. If you receive any individualized investment recommendations or investment advice directly from any independent financial advisers, you acknowledge that any such recommendations or advice are not being provided by, and are not the responsibility of, Advisers Give Back.

The type of savings and investment strategies mentioned may not be suitable for everyone, and you alone are solely responsible for determining whether any investment, strategy or any other product or service is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an independent financial adviser, attorney or tax professional regarding your specific investment, legal or tax situation. The content provided is not intended to represent results you should expect in the future, and Advisers Give Back cannot and does not guarantee the accuracy, completeness or reliability of any information provided on or through the Site.

You agree that you are solely responsible for any actions taken based on any content found on the Site or any site associated with Advisers Give Back and hereby release Advisers Give Back from any and all liability.

The financial professional (hereafter “Adviser”) that you may interact through the Advisers Give Back platform agrees in advance to the following guidelines. Therefore, as a consumer of the Advisers Give Back Service you acknowledge that you are entering into an engagement for which the Adviser will receive no compensation (payment), directly or indirectly, for services provided.

The scope of this engagement is to be determined jointly between the Adviser and the Pro Bono Client. In many cases, the Pro Bono Client may be seeking pro bono financial guidance on specific issues or questions, in which case the Adviser will endeavor to provide financial guidance as requested. As examples, questions and issues raised by the Pro Bono Client may relate (but are not limited to) the following:

  • Developing goals
  • Managing assets and liabilities (including debt, savings, and investments)
  • Managing cash flow (includes monitoring spending, addressing banking needs, and discussing the need to pay bills in a timely manner)
  • Identifying and managing risks (including with respect to medical, disability, life, property, and casualty insurance, and benefits, settlements and claims administration)
  • Identifying and managing the financial effects of health conditions
  • Providing for educational needs
  • Achieving financial security (including preserving or increasing wealth)
  • Identifying tax considerations
  • Preparing for retirement; and
  • Addressing estate and legacy matters.

In accordance with the terms described in this agreement, Adviser will provide financial guidance and/or planning recommendations, which may be presented orally or electronically.

The Adviser will have no control or power to handle your assets and will not have a Power of Attorney engagement with you.

When providing financial guidance or planning to you, the Adviser shall comply with the CFP Board’s Code of Ethics and Standards of Conduct https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct pertaining to the engagement.

Depending on the engagement, the Adviser may describe to you the qualitative and quantitative information (concerning your personal and financial circumstances) that the Adviser needs to assist you. You may collaborate with the Adviser to obtain the information.  The Adviser will analyze the qualitative and quantitative information to assess your personal and financial circumstances. If unable to obtain information necessary to assist the client with the identified needs, the Adviser will limit the scope of engagement to those services the Adviser is able to provide or terminate the engagement.

The duration of this pro-bono engagement is not intended to be a long-term or ongoing relationship. This engagement will terminate when the Adviser provides the financial guidance and/or planning recommendations to you. While the Adviser may interact with you after presenting the financial guidance and/or planning recommendations for the purposes of checking-in with you, the Adviser will not implement, monitor or update the financial recommendations and these services are specifically excluded from the scope of this engagement.  If you are interested in receiving financial guidance to implement, monitor, and/or update his/her financial planning recommendations, then you will need to secure the services of another professional.

You will not be required to make any payment for the services provided under this engagement and will incur no costs for the services provided. The Adviser will receive no compensation for this engagement. The Adviser is prohibited from charging for additional services that were not anticipated at the time of this engagement but that the Adviser provides during the course of the engagement.

In the unlikely case that the Adviser and you intend to enter into an engagement after the Adviser presents the financial planning recommendations, you and the Adviser must terminate the Advisers Give Back engagement, and the Adviser must notify Advisers Give Back of the Adviser’s intent to enter into another engagement with you.

The Adviser will comply with all applicable regulatory, professional and ethical obligations, including but not limited to those imposed by the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), and state securities and insurance regulators.

The Adviser represents to you that the Adviser’s background, including any disciplinary actions or bankruptcy, has been disclosed as required.

The Adviser represents that the Adviser has not at any time been censored, convicted, or otherwise found by competent authority to be guilty of any fraudulent activity or professional misconduct.

The Adviser affirms that all professional licenses and certifications held by the Adviser are in good standing.

The Adviser interacting with you may be using the Advisers Give Back platform. If so, neither Advisers Give Back, the Adviser’s firm, nor any of their respective individual directors, officers, employees, agents or members, and grantees has or assumes any responsibility or liability for the accuracy or appropriateness of any services provided by the Adviser. You acknowledge that you must make an independent judgment regarding the Adviser's qualifications and whether to retain the Adviser for the engagement.

All services provided by the Adviser are provided solely by the individual Adviser and not by or on behalf of Advisers Give Back, or its affiliates. Both the Adviser and you agree to indemnify, defend and hold Advisers Give Back as well as its individual directors, officers, employees, agents or members, and grantees (other than the Adviser), harmless from any loss, damage, cost or liability in any way arising from such services, acts or omissions.

You further agree to indemnify, defend, and hold the Adviser harmless from any loss, damage, cost or liability in any way arising from the Adviser’s services, acts or omissions.

You understand that the responsibility for financial decisions is your own and that you are under no obligation to follow, either wholly or in part, any recommendation or suggestion provided by the Adviser. You also understand that completion of the financial planning process may be a prerequisite to being granted services, items, or acceptance into programs by a sponsoring organization.

Should any concern arise between the Adviser and you, it is agreed that the Adviser and you will consult with each other to resolve such issues. Any unresolved issue shall then be submitted to non-binding mediation under the Commercial Mediation Rules of the American Arbitration Association. Any dispute still unresolved may then be submitted to binding arbitration under the Securities Industry Arbitration Rules of the American Arbitration Association.

The terms of this engagement are limited to those items described in this Terms of Use, and this engagement will terminate upon the completion of these services or written notice of either the Adviser or you, except for any obligation to indemnify, defend and hold harmless which shall survive for the applicable statute of limitation period.

The Adviser will treat non-public, confidential information of yours as private and confidential and will not share the non-public, confidential financial information with others unless the Adviser receives permission from you.

It is your responsibility to report any financial plan details and subsequent goals or progress to the sponsoring organization, if necessary.

The Adviser may report non-confidential information regarding the program to the sponsoring organization or related partner, including general topics on which the Adviser is assisting and whether the engagements are ongoing or closed.

It is your responsibility to return calls or email contacts from the Adviser. The Adviser should notify the sponsoring organization if the pro bono client has not maintained contact and, if necessary, may terminate the engagement.

The engagement will be concluded upon the delivery of the financial guidance and/or planning recommendations from the Adviser to you. The Adviser will be responsible for the engagement but may delegate tasks to others, including allied professionals, paraAdvisers, CFP candidates, at the Adviser’s direction.

Modifications to Site Terms

You acknowledge and agree that Advisers Give Back may modify these Site Terms and any policies or guidelines applicable to the Site at any time by posting the revised Site Terms on the Site and indicating at the top thereof the date such document was last updated. These modifications will be effective immediately upon posting. You expressly agree to such form of notification and waive any right to receive individual notice of such modifications. Unless stated otherwise, any new features or enhancements to the current Services shall be subject to this agreement in addition to any terms that may be applicable to particular services. You are responsible for regularly reviewing these Site Terms and any applicable changes. If you do not agree to the amended terms, you must stop using the Site and the Services. Continued use of the Site and the Services after any changes take effect will constitute your acceptance of such changes.

Minimum Age Limit

You must be eighteen (18) years of age or older to use the Site and the Services, and you must have all necessary right, power and authority to enter into these Site Terms and to perform the acts required hereunder. Any use of or access to the Site or Services by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Services or the Site, you represent and warrant that you are eighteen or older.

Account Information; Security

You agree to maintain and update your account information to keep it complete and accurate and to maintain the confidentiality of any password. You are responsible for all activity occurring through use of your account and/or password, and you agree to immediately notify Advisers Give Back of any actual or suspected unauthorized use of your account or password. Advisers Give Back will not be responsible for any loss to you arising from your failure to comply with the above.

E-mail Address

We will contact you at the e-mail address you have provided. You agree to provide a valid email address for such purposes. By providing your e-mail address, you agree that you will accept all electronic communications from us at your e-mail address and will not make any claims against us if you do not receive any communications we send to your e-mail address. You agree to notify us promptly if your e-mail address changes.

Mobile Number

We will contact you at the mobile number you have provided. You agree to provide a valid mobile number for such purposes. By providing your mobile number, you agree that you will accept telephonic and text based communications from us at your mobile number and will not make any claims against us if you do not receive any communications we send to your mobile number. You agree to notify us promptly if your mobile number changes.

User Conduct; User Content

The Site may include interactive areas or services (“Interactive Areas”) such as note fields, online storage services, or other areas or services in which you or other users create, post or store any content, information, messages, materials, data, text, sound, photos, video, graphics, code or other items or materials on the Site (“User Content”). You agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:

User Content that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;

User Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission or any rules of a securities exchange such as the New York Stock Exchange, the American Stock Exchange or the NASDAQ;

User Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party. By posting any User Content, you represent and warrant that you have the lawful right to distribute and reproduce such User Content;

User Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;

Unsolicited promotions, political campaigning, advertising or solicitations;

Private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;

Viruses, corrupted data or other harmful, disruptive or destructive files; and

User Content that, in the sole judgment of Advisers Give Back, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Advisers Give Back or its users to any harm or liability of any type.

Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Site Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.

Advisers Give Back takes no responsibility and assumes no liability for any user conduct or User Content. Advisers Give Back does not warrant the truth or accuracy of, User Content, nor is Advisers Give Back liable for any defamation, slander, libel, omissions, falsehoods, obscenity, pornography, profanity or inappropriate content you may encounter. Your use of Interactive Areas is at your own risk.

You agree to release and hold harmless Advisers Give Back for any damages arising out of false or inaccurate User Content. Advisers Give Back may alter without prior notice to you any User Content which in its opinion is false, inaccurate or materially misleading on its face or otherwise. Advisers Give Back may remove without prior notice to you any material from any User Content which in its sole opinion is profane or offensive to other users of the Services. You hereby grant Advisers Give Back an irrevocable, world-wide, non-exclusive, perpetual and fully sublicensable license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content on and in connection with the Site and the Services.

You are solely liable for any User Content you post on the Site, and you represent and warrant that (a) you own and control all of the rights to the User Content that you post or you otherwise have the right to post such User Content to the Site; (b) the User Content is accurate and not misleading; and (c) use and posting of the User Content you supply does not violate these Site Terms and will not infringe upon or violate the rights of, or cause injury to, any person or entity.

Links

You are granted a limited, non-exclusive right to create a text hyperlink to the Site for noncommercial purposes, provided such link does not portray Advisers Give Back or any of its products and services in a false, misleading, derogatory or otherwise defamatory manner and provided further that the linking site does not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable. This limited right may be revoked at any time. You may not use a Advisers Give Back logo or other proprietary graphic to link to this Site without the express written permission of Advisers Give Back. Further, you may not use, frame or utilize framing techniques to enclose any Advisers Give Back trademark, logo or other proprietary information, including the images found at the Site, the content of any text or the layout/design of any page or form contained on a page on the Site without Advisers Give Back’s express written consent.

The Site contains links to world wide web sites and content which is not a part of the Services. Advisers Give Back provides these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by Advisers Give Back of any site or any information or company contained therein. You agree and acknowledge that Advisers Give Back is not responsible for such third party Web sites or the quality, content, nature or reliability thereof. When you leave the Site, you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.

Third Party Content

Advisers Give Back may display third party advertisements and may post or provide links to third-party content or websites (collectively the “Third Party Content”). Advisers Give Back does not endorse, adopt or have any control over any Third Party Content and can make no guarantee as to its accuracy or completeness. In addition, Advisers Give Back is not responsible or liable for any Third Party Content, including any content considered harmful, objectionable, inappropriate or offensive.

Third Party Products and Services

We may from time run advertisements and promotions from, provide information regarding, make referrals to or assist you in locating information regarding third parties who provide products or services that may be of interest to you (“Third Party Products and Services”). Advisers Give Back does not approve, recommend, endorse or guarantee the availability of such third parties or the Third Party Products and Services, and we do not monitor or have any control over such Third Party Products and Services. Therefore, we can make no guarantee as to the value, reliability, safety, accuracy, completeness, or performance of such Third Party Products or Services or the results obtained therefrom. You agree that Advisers Give Back shall not be liable for loss or damages of any sort incurred as the result of using any Third Party Products or Services or from your dealings with such third parties. Your business or other dealings with such third parties are solely between you and such third party. You assume full responsibility and assume all risk for your use of such Third-Party Products or Services.

Trademarks

Advisers Give Back®, the Advisers Give Back logos and any other product or service name or slogan contained in the Site are trademarks of Advisers Give Back and its suppliers or licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Advisers Give Back or the applicable trademark holder. You may not use any metatags or any other “hidden text” utilizing “Advisers Give Back” or any other name, trademark or product or service name of Advisers Give Back without our prior written permission. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Advisers Give Back and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Copyright; Limited License; Restrictions on Use

Certain content on the Site (“Site Content”), including text, graphics, photographs, data, software, news or information, is protected by copyrights, trademarks, service marks, patents, and/or other intellectual property and proprietary rights and laws. You acknowledge that the Site, the Services and any underlying technology used in connection with the Site and the Services contain proprietary information and content of Advisers Give Back or its licensors.

Subject to these Site Terms, you are granted a limited, non-sublicensable, revocable license to access and use the Site and the Services, provided that you may not: (a) reproduce, publish, distribute, create derivative works of, modify, adapt, translate, rent, sublicense, assign, loan, sell, transfer, network, publicly display or transmit the Site or the Site Content, except as expressly permitted on the Site; (b) commercially use or exploit any part of the Site, the Site Content or the Services; (c) decompile, reverse engineer, disassemble, or otherwise reduce the Site or the Services to human perceivable form; (d) scrape or use any data mining, robots or similar data gathering or extraction methods; (e) download (other than the page caching) any portion of the Site, the Site Content or any information contained therein, except as expressly permitted on the Site; or (f) any use of the Site or the Site Content other than for its intended purpose. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of Advisers Give Back, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. You must abide by all copyright notices, information, or restrictions contained in the Site. Neither the Site Terms nor any other agreement entered into by Advisers Give Back limits any of our or our affiliates’ rights under trade secret, copyright, patent or other laws.

Repeat Infringer Policy

In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, Advisers Give Back has adopted a policy of terminating, in appropriate circumstances and at Advisers Give Back’s sole discretion, subscribers or account holders who are deemed to be repeat infringers. Advisers Give Back may also at its sole discretion limit access to the Site and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Procedure for Submitting Claims of Copyright Infringement

If you believe that your work has been copied in a way that constitutes copyright infringement please contact the Designated Agent as follows:

Name of Designated Agent: Matthew Iverson-Comelo
Full Address of Designated Agent: 490 43rd St. Suite 350, Oakland, CA 94609
Facsimile Number of Designated Agent: (844) 965-1278
E-Mail Address of Designated Agent:  privacy@advisersgiveback.org

Requirements for providing a valid notice under the DMCA can be found at 17 U.S.C. §512(c)(3).

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

ADVISERS GIVE BACK DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SITE, THE SITE CONTENT, THE SERVICES OR THE ADVISERS FEATURED THEREIN, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

THE SITE, THE SITE CONTENT AND THE SERVICES ARE MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND ADVISERS GIVE BACK DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED. YOUR USE OF THE SITE AND THE SERVICES IS AT YOUR SOLE RISK. ANY SOFTWARE, TOOLS, CONTENT OR OTHER MATERIAL THAT YOU DOWNLOAD OR OTHERWISE OBTAIN VIA THE SERVICES IS AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR FOR ANY LOSS OF DATA RESULTING FROM THE DOWNLOAD OF SUCH MATERIAL.

ADVISERS GIVE BACK DOES NOT WARRANT THAT THE SITE, THE SITE CONTENT, OR THE SERVICES  WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, COMPLETE, SECURE OR ERROR-FREE. ADVISERS GIVE BACK ALSO MAKES NO WARRANTY THAT THE RESULTS OR INFORMATION OBTAINED FROM THE USE OF THE SITE, THE SITE CONTENT, THE SERVICES  OR ANY THIRD PARTY SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE OR THE SERVICES OR ANY THIRD PARTY SITES OR SERVICES WILL MEET YOUR EXPECTATIONS. ADVISERS GIVE BACK DOES NOT INTEND THE INFORMATION PROVIDED BY THE SERVICES TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. YOU ARE RESPONSIBLE FOR CONFIRMING THE ACCURACY AND RELIABILITY OF ANY INFORMATION CONTAINED IN THE SERVICE.

LIMITATION OF LIABILITY

YOU UNDERSTAND THAT IN NO EVENT WILL ADVISERS GIVE BACK OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS OR ANY THIRD PARTY PROVIDER BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, LOSS OF BUSINESS REVENUE OR LOST PROFITS, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF: (I) YOUR USE OF, INABILITY TO USE OR RELIANCE ON THE SITE, THE SERVICES OR THE SITE CONTENT, OR (II) ANY GOODS OR SERVICES OF ANY FINANCIAL ADVISERS FEATURED ON OR REFERRED THROUGH THE SERVICE OR OTHERWISE ADVERTISED ON OR OFFERED OR REFERRED TO YOU THROUGH THE SERVICES; EVEN IF ADVISERS GIVE BACK OR ANY RELATED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF ADVISERS GIVE BACK, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF THE SITE, THE SERVICES, THE SITE CONTENT OR THE ADVISER PRODUCTS OR SERVICES EXCEED THE FEES YOU PAY, IF ANY, TO ADVISERS GIVE BACK FOR ACCESS TO OR USE OF THE SITE OR THE SERVICES. BECAUSE SOME STATES OR APPLICABLE FEDERAL LAWS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

ADVISERS GIVE BACK BEARS NO RESPONSIBILITY FOR ANY DAMAGES ARISING FROM ANY FAILURE OF PERFORMANCE, FAILURE TO STORE, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, ERROR IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, TELECOMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS, ALTERATION OR USE OF RECORDS, BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS AND DISCLAIMERS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF ADVISERS GIVE BACK ITS OFFICERS, DIRECTORS, INVESTORS, EMPLOYEES, CONTRACTORS, AGENTS, ASSIGNS, SUBSIDIARIES AND AFFILIATES IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification

As a condition of your use of the Site and the Services, you agree to defend, indemnify and hold Advisers Give Back and its volunteers, independent contractors, service providers, partners and consultants, and their respective directors, employees and agents harmless from and against any and all claims, actions, damages. losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from or relating to your use of the Site or the Services or any products or services provided by you, from your conduct or violation of these Site Terms or your infringement or violation of any intellectual property or other right of a Third Party, from your User Content, or from your violation of any applicable law.

Termination; Removal of Content

You may discontinue your participation in and access to the Services at any time. Advisers Give Back may discontinue or modify the Advisers Give Back Services at any time without prior notice to you, and you accept those modifications if you continue to use the Advisers Give Back Services. In addition, Advisers Give Back may terminate, disable or suspend your account or your access to the Site or the Services for any reason, or for no reason, at any time without prior notice. Advisers Give Back also reserves the right, but bears no obligation, to monitor, screen, edit and remove any content, data or information, including User Content, available or stored through the Services, You are solely responsible for creating backup copies of and replacing any materials you post or store on the Site.

Applicable Law

The Site Terms are entered into in Oakland, California and governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws provisions and shall inure to the benefit of Advisers Give Back’s successors and assigns, whether by merger, consolidation, or otherwise. Federal law governs copyright, patent, and trademark matters. You agree that the proper forum for claims under the Site Terms will be the courts of the State of California for the County of Alameda or the U.S. District Court for the Northern District of California, and you agree to submit to the jurisdiction of these courts.

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.