Terms of Use

Last Updated: May 2, 2026

Welcome to Riemer Retirement. These Terms of Use govern your access to and use of RiemerRetirement.com, including any pages, calculators, quizzes, educational content, forms, advisor-matching features, communications, and related services offered through the website.

By accessing or using this website, you agree to these Terms of Use. If you do not agree, do not use the website.

1. Educational and Informational Use Only

The content, quizzes, calculators, tools, estimates, scores, summaries, videos, articles, and other materials on this website are provided for general educational and informational purposes only.

Nothing on this website is intended to provide personalized financial, investment, tax, legal, accounting, insurance, retirement, estate planning, or other professional advice.

You should not make financial, investment, tax, insurance, legal, retirement, Social Security, Medicare, estate planning, or withdrawal decisions based solely on information from this website.

2. Riemer Retirement Is Not a Financial Adviser, Investment Adviser, Broker-Dealer, or Tax Professional

Riemer Retirement is not a registered investment adviser, financial adviser, broker-dealer, brokerage firm, insurance agency, law firm, accounting firm, tax adviser, or fiduciary.

Riemer Retirement does not manage assets, provide individualized investment recommendations, recommend the purchase or sale of securities, execute trades, custody client assets, sell securities, sell insurance products, provide tax advice, provide legal advice, or provide ongoing financial planning services.

The website is intended to provide educational tools, general information, quizzes, calculators, and advisor-introduction coordination. Any financial professional, investment adviser, broker-dealer, insurance professional, tax professional, legal professional, or advisory firm you may be introduced to is independent from Riemer Retirement unless clearly stated otherwise.

3. No Advisor-Client or Professional Relationship

Your use of this website does not create an advisor-client, planner-client, investment advisory, brokerage, fiduciary, attorney-client, accountant-client, tax professional-client, insurance agent-client, or other professional relationship between you and Riemer Retirement.

Submitting a form, completing a quiz, using a calculator, requesting a review, or requesting an advisor match does not create a professional advisory relationship with Riemer Retirement or with any third-party professional.

Any professional relationship, if one is formed, would be between you and the specific financial professional, advisory firm, broker-dealer, insurance professional, tax professional, legal professional, or other provider you choose to engage under that provider’s own agreements, disclosures, terms, and regulatory obligations.

4. No Financial, Investment, Tax, Legal, or Accounting Advice

Riemer Retirement does not provide personalized financial advice, investment advice, securities recommendations, tax advice, legal advice, accounting advice, insurance advice, or estate planning advice.

Any quiz result, calculator result, retirement readiness score, retirement tax-risk score, income-gap snapshot, advisor-match profile, estimate, projection, or summary is based only on the limited information you provide and is for educational purposes only.

Before making decisions related to investments, taxes, retirement income, Roth conversions, required minimum distributions, Social Security, Medicare, annuities, insurance, estate planning, account withdrawals, asset allocation, portfolio changes, or any other financial matter, you should consult qualified professionals who can review your full situation.

5. Calculators, Quizzes, Scores, and Results Are Estimates Only

The calculators, quizzes, scoring tools, and results on this website are simplified educational tools. They use limited inputs, general assumptions, and basic logic. They are not comprehensive financial plans.

They may not account for all relevant factors, including but not limited to:

Taxes

Inflation

Market volatility

Investment returns

Fees and expenses

Account types

State-specific rules

Social Security rules

Medicare costs

Required minimum distributions

Healthcare or long-term care costs

Insurance needs

Estate planning issues

Charitable giving

Sequence-of-returns risk

Personal spending changes

Debt

Pensions

Annuities

Business ownership

Real estate

Changes in law, regulation, or personal circumstances

Results are not guaranteed to be accurate, complete, current, or applicable to your personal situation. They should be treated as a starting point for education and discussion, not as advice or a recommendation.

6. Advisor Matching and Third-Party Professionals

Riemer Retirement may help connect users with financial professionals, advisory firms, broker-dealer representatives, insurance professionals, tax professionals, legal professionals, or other third parties based on information submitted through the website.

Any advisor match, professional introduction, referral, or connection is for informational and coordination purposes only. Riemer Retirement does not guarantee that any advisor or professional is suitable for you, appropriate for your needs, available in your state, properly licensed for every service you may request, or able to provide the services you want.

Riemer Retirement does not guarantee that you will be matched with an advisor or professional, that any advisor will accept you as a client, or that any relationship will result from submitting your information.

You are solely responsible for evaluating any professional before engaging them. This includes reviewing their registration status, credentials, licenses, experience, services, fees, compensation, conflicts of interest, disciplinary history, written disclosures, client agreement, privacy policy, and whether their experience fits your needs.

You should independently verify any financial professional or firm using available regulatory resources, including SEC, state, and FINRA resources where applicable.

7. Compensation and Potential Conflicts of Interest

Riemer Retirement may have business relationships with advisors, firms, advertisers, sponsors, vendors, or other third parties.

Where permitted by applicable law, Riemer Retirement may receive compensation for advertising, marketing services, introductions, referrals, appointments, lead generation, sponsorships, or other business arrangements.

This compensation may create a conflict of interest because Riemer Retirement may have an incentive to introduce users to certain professionals, firms, or service providers. You should consider this when evaluating any introduction or match.

Any compensation arrangement involving a third-party professional does not mean that Riemer Retirement recommends, endorses, guarantees, supervises, or is responsible for that professional’s advice, conduct, services, fees, products, or recommendations.

8. No Endorsement or Guarantee of Third-Party Professionals

Riemer Retirement does not guarantee, endorse, warrant, or verify the quality, suitability, performance, advice, credentials, licensing, ethics, disciplinary history, or services of any third-party professional or firm.

Any decision to contact, interview, hire, retain, or work with a third-party professional is solely your responsibility.

Before engaging any professional, you should ask questions, review written disclosures, understand fees and conflicts, verify registration and licensing, and determine whether the professional is appropriate for your needs.

9. No Offer, Solicitation, or Recommendation

Nothing on this website is an offer to buy or sell securities, insurance products, annuities, investment advisory services, brokerage services, legal services, tax services, accounting services, or any other financial product or professional service.

Nothing on this website is a recommendation to purchase, sell, hold, exchange, surrender, roll over, convert, transfer, or otherwise act with respect to any security, investment, insurance product, annuity, account, retirement plan, or financial product.

Any financial product, investment strategy, tax strategy, insurance strategy, legal strategy, or advisory service should be evaluated with a properly qualified and licensed professional.

10. User Information and Accuracy

When you submit information through this website, you agree that the information you provide is accurate, complete, and current to the best of your knowledge.

You are responsible for the consequences of submitting incomplete, inaccurate, outdated, or misleading information.

You agree not to submit Social Security numbers, full account numbers, passwords, government identification numbers, or other highly sensitive information through forms on this website unless specifically requested through a secure and appropriate channel.

Riemer Retirement may use the information you provide to generate educational results, coordinate requested communications, improve website functionality, and help facilitate requested advisor-matching or review requests.

11. Communications Consent

By submitting your contact information through the website, you agree that Riemer Retirement and/or relevant third-party professionals may contact you regarding your request.

This may include contact by phone, email, text message, or other communication methods, subject to applicable law and any consent language provided on the relevant form.

Message and data rates may apply. You may opt out of text messages by replying STOP where applicable.

Submitting a form does not require you to hire, retain, or work with any advisor or professional.

12. Privacy

Your use of the website is also subject to our Privacy Policy. The Privacy Policy explains how information may be collected, used, shared, and protected.

You should review the Privacy Policy before submitting personal information through the website.

13. Third-Party Links, Tools, and Services

This website may contain links to third-party websites, tools, platforms, advisors, firms, services, calculators, payment processors, scheduling tools, regulatory databases, or other resources.

Riemer Retirement is not responsible for third-party websites, services, content, practices, accuracy, security, privacy policies, or terms.

Your use of any third-party website or service is at your own risk and subject to that third party’s own terms and policies.

14. Website Availability and Changes

Riemer Retirement may update, modify, suspend, remove, or discontinue any part of the website at any time without notice.

Riemer Retirement does not guarantee that the website, quizzes, calculators, forms, advisor-matching tools, or other features will always be available, error-free, secure, or uninterrupted.

15. Intellectual Property

All content on this website, including text, branding, layout, design, graphics, quizzes, calculators, tools, code, videos, and other materials, is owned by or licensed to Riemer Retirement unless otherwise stated.

You may use the website for personal, non-commercial educational purposes only.

You may not copy, reproduce, modify, distribute, sell, scrape, reverse engineer, republish, or use website content for commercial purposes without prior written permission.

16. Acceptable Use

You agree not to:

Use the website for unlawful purposes

Submit false, misleading, fraudulent, or harmful information

Attempt to access systems or data without authorization

Interfere with website functionality, security, or availability

Copy, scrape, harvest, or collect website content or user information

Use automated bots, scripts, crawlers, or scraping tools

Misrepresent your identity, affiliation, financial situation, or intent

Upload or transmit malware, harmful code, or disruptive content

Violate any law, regulation, or third-party right

Riemer Retirement may restrict, suspend, or terminate access to the website at any time.

17. Disclaimers

The website and all content, tools, quizzes, calculators, scores, results, estimates, summaries, forms, and services are provided on an “as is” and “as available” basis.

Riemer Retirement makes no warranties or representations of any kind, express or implied, including warranties of accuracy, completeness, reliability, timeliness, suitability, availability, merchantability, fitness for a particular purpose, non-infringement, or security.

Riemer Retirement does not guarantee that the website will be uninterrupted, error-free, secure, or free from viruses or harmful components.

18. Limitation of Liability

To the fullest extent permitted by law, Riemer Retirement and its owners, employees, contractors, affiliates, partners, vendors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages arising from or related to your use of, or inability to use, the website.

This includes, but is not limited to, damages related to financial decisions, investment losses, tax outcomes, retirement decisions, advisor selection, professional referrals, website errors, calculator results, quiz results, third-party services, data loss, unauthorized access, or reliance on website content.

Your use of the website is at your own risk.

19. Indemnification

You agree to indemnify, defend, and hold harmless Riemer Retirement and its owners, employees, contractors, affiliates, partners, vendors, and service providers from and against any claims, damages, losses, liabilities, costs, or expenses arising from or related to:

Your use of the website

Your violation of these Terms

Your submission of information

Your violation of any law or regulation

Your violation of any third-party right

Your interaction with any third-party professional or service provider introduced through the website

20. Changes to These Terms

Riemer Retirement may update these Terms of Use from time to time. The updated version will be posted on this page with a new “Last Updated” date.

Your continued use of the website after changes are posted means you accept the updated Terms.

21. Governing Law

These Terms of Use are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Any dispute arising from or related to these Terms or your use of the website shall be handled in the appropriate courts located in Florida, unless otherwise required by applicable law.

22. Contact

For questions about these Terms of Use, contact:

Riemer Retirement
Email: [email protected]

Operated by: RingMeUp