Terms of Service

Last updated: August 26, 2025

Welcome to RHM Real Financial Planning (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of financial planning services, including our website and any related offerings (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Services, you affirm that you are at least 18 years of age and legally authorized to act on behalf of an estate, trust, or as a private individual engaging our services. If you do not agree to these Terms, you may not use our Services.

2. Scope of Services

RHM Real Financial Planning LLC provides financial education, guidance, and planning strategies designed to help clients make informed decisions about their financial futures. Our services may include, but are not limited to:

General financial education and literacy programs.
Budgeting, savings, and cash-flow planning support.
Guidance on debt management strategies.
Discussions on investment principles and wealth-building strategies.
Retirement readiness reviews.
Real estate, business ownership, and paper asset planning as part of the Three Pillars of Wealth framework.
Estate and legacy planning education.

Our services are intended for informational and educational purposes only. We do not provide personalized investment recommendations, execute trades, prepare tax returns, or practice law. Any implementation of strategies discussed is solely the responsibility of the client, who should consult with licensed professionals—including investment advisers, tax professionals, and attorneys—before taking action.

3. Client Responsibilities

Clients agree to:

Provide accurate legal authority to act on behalf of an estate or trust if applicable
Grant physical access to property and items relevant to the estate sale or liquidation
Disclose all known liens, encumbrances, and legal issues related to the estate or property
Maintain communication throughout the process and make timely decisions when needed

Failure to do so may result in delayed services or termination of the engagement.

4. Fees and Payment Terms

Payment for Services will be agreed upon in a separate written engagement letter or service agreement. Typical fee structures may include:

Flat fees for estate planning services
Commission-based fees for estate sales and liquidations
Hourly or project-based billing for specialized services

Late payments may incur a 10% late fee per month. We reserve the right to withhold final reports, proceeds, or transfer of assets until outstanding balances are settled.

5. Intellectual Property

All content, materials, frameworks, presentations, guides, strategies, and tools provided by RHM Real Financial Planning LLC—including but not limited to the Garden Theory of Investing, the Three Pillars of Wealth framework, educational materials, digital content, course content, and proprietary methods—are and shall remain the exclusive property of RHM Real Financial Planning LLC.

Clients are granted a limited, non-exclusive, non-transferable, revocable license to use such materials solely for their personal, non-commercial use in connection with the services provided. Clients may not copy, reproduce, distribute, modify, publish, create derivative works from, sell, or otherwise exploit any of our intellectual property without prior written consent.

All rights not expressly granted are reserved by RHM Real Financial Planning LLC. Unauthorized use of our intellectual property may result in termination of services and/or legal action.

6. Disclaimers

The information, materials, and services provided by RHM Real Financial Planning LLC are for educational and informational purposes only and should not be construed as personalized financial, investment, tax, accounting, or legal advice. While every effort is made to ensure accuracy, we do not guarantee the completeness, reliability, or suitability of the information provided.

Clients are solely responsible for their own financial decisions. Before making any financial, investment, or legal decisions, you are strongly encouraged to consult with qualified professionals such as licensed financial advisors, accountants, tax professionals, or attorneys who can evaluate your individual circumstances.

RHM Real Financial Planning LLC does not make any warranties, expressed or implied, regarding specific outcomes, returns, or performance. Past results do not guarantee future results. By engaging with our services, you acknowledge and agree that you bear full responsibility for your financial choices and outcomes.

7. Limitation of Liability

To the fullest extent permitted by law, RHM Real Financial Planning LLC, its affiliates, officers, employees, contractors, and agents shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with the use of our services, materials, or information, even if we have been advised of the possibility of such damages.

This includes, but is not limited to, losses relating to investment performance, business decisions, tax liabilities, market fluctuations, or reliance on any information provided through our services.

In no event shall the total liability of RHM Real Financial Planning LLC for any claim, whether in contract, tort, or otherwise, exceed the total amount paid by you, if any, for the specific service giving rise to the claim.

You acknowledge and agree that your use of our services is at your sole risk, and that you assume full responsibility for all financial decisions and outcomes resulting from such use.

8. Indemnification

You agree to indemnify, defend, and hold harmless RHM Real Financial Planning, its agents, employees, and contractors from any claims, liabilities, losses, or damages arising from your breach of these Terms or misuse of the Services.

9. Termination of Services

We reserve the right to terminate or refuse Services if a client becomes uncooperative, provides false information, or fails to meet agreed payment obligations.

Termination does not relieve the client of payment for services already rendered or costs incurred.

10. Governing Law

These Terms are governed by and construed under the laws of the State of Nevada, without regard to conflict of law principles. All legal proceedings shall be brought in the appropriate courts of that jurisdiction.

11. Changes to Terms

We may update these Terms at any time. If we make material changes, we will notify you by posting the revised Terms on our website. Continued use of our Services constitutes acceptance of the updated Terms.

12. Contact Information

Lucas Thomas, CBE
Owner of RHM Real Financial Planning LLC
702-637-1700 / Passt@RHMreal.com
www.RHMreal.com