Terms and Conditions

These terms apply when you use newhorizonretirements.com. The site is operated by New Horizon Retirement Advisors, doing business as New Horizon Retirement Solutions. By using the site, you agree to what is written here. If you do not agree, please do not use the site.

This site is educational

Everything on this site is published for general education. It is not investment, tax, or legal advice, and it is not a recommendation to buy or sell anything. Nothing here has been prepared for your particular situation, because we do not know your particular situation until we talk.

Reading the site, using a tool on it, subscribing to our emails, or booking a Discovery Session does not create an advisory relationship or a fiduciary duty. An advisory relationship begins only when both you and New Horizon Retirement Advisors sign a written agreement.

About investment risk

All investments carry risk, including the potential loss of principal. Past performance does not predict future results. Results vary based on individual circumstances and are not guaranteed. Please speak with a qualified professional before acting on anything you read here.

Investment advisory services are offered through duly registered Investment Advisor Representatives of New Horizon Retirement Advisors.

The Retirement Readiness Scorecard and other tools

Any calculator, quiz, or scorecard on this site produces a general illustration based only on the answers you type in. It does not review your accounts, your tax return, or your household. Treat the output as a starting point for a conversation, not as a plan and not as a promise about your retirement.

The assistant on this site

The chat assistant is powered by a third-party AI provider. It can be wrong, and it can be incomplete. Do not rely on it for decisions about your money, and do not share account numbers, Social Security numbers, or other sensitive identifiers in the chat. For anything specific to your accounts, we will talk with you directly.

Booking a Discovery Session

A Discovery Session is a conversation, not a commitment. Booking one does not obligate you to become a client and does not obligate us to accept you as one. We may need to reschedule, and so may you.

Emails you ask for

If you subscribe, we will send the updates described at the point of signup. You can unsubscribe at any time using the link in any email.

Text messages you ask for

If you tick a consent box on our sign-up form, New Horizon Retirement Advisors will send text messages to the mobile number you provide. There are two separate programs, each with its own consent box, and you may accept one, both, or neither. Service messages cover appointment reminders, confirmations, and replies to questions you send us. Marketing messages cover event invitations, educational notes, and occasional updates about what we offer. Consenting to texts is never a condition of working with us or of any purchase.

Message frequency varies. Message and data rates may apply, and those charges come from your mobile carrier rather than from us. To stop receiving messages, reply STOP to any message from us. For help, reply HELP, email admin@nh-rs.com, or call (248) 510-9923. Mobile carriers are not liable for delayed or undelivered messages.

Age restriction

This site and our text message program are intended for people aged 18 and over. Please do not use the site or give us your mobile number if you are under 18.

How you may use the site

You may read, print, and share our pages for your own personal, non-commercial use. Please do not copy or republish our content for commercial purposes, scrape or bulk-download the site, attempt to break or overload it, misrepresent who you are, or use it for anything unlawful.

Who owns what is here

The content, design, logos, and marks on this site belong to New Horizon Retirement Advisors or to the parties who licensed them to us. Using the site does not transfer any of those rights to you.

Links to other sites

We sometimes link to third-party websites, tools, and articles. We do not control them and we are not responsible for their content, their accuracy, or their privacy practices. A link is not an endorsement.

What we can and cannot promise

We work to keep the site accurate and available, but we provide it as is. We do not warrant that it will be uninterrupted, error-free, or current, and tax rules and market conditions change after a page is published.

To the fullest extent the law allows, New Horizon Retirement Advisors is not liable for indirect, incidental, or consequential losses arising from your use of this site or from anything you read on it. Nothing in these terms limits any liability that cannot be limited by law, including under federal or Michigan securities law.

Your privacy

Our Privacy Policy explains what we collect, why, where it is stored, and how to request access or deletion. It forms part of these terms.

Governing law

These terms are governed by the laws of the State of Michigan, without regard to its conflict of law rules. Any dispute will be handled in the state or federal courts located in Michigan.

Changes to these terms

We may update these terms as the site or our services change. The version posted here is the one that applies. Continuing to use the site after a change means you accept the updated terms.

Contact

Questions about these terms? Email admin@nh-rs.com or call (248) 510-9923. Our office is at 7 West Square Lake Road, Bloomfield Hills, MI 48302.