Terms & Conditions

Last updated: August 3, 2026

Acceptance of Terms

By accessing or using The Annuity Checkup website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website.

Website Purpose

The Annuity Checkup website is designed to help individuals who own annuities request a complimentary, educational review with a licensed financial advisor. The website serves as a lead generation and scheduling tool and does not provide investment, tax, or legal advice.

SMS Program Description

Types of SMS Messages

If you choose to opt in, you may receive SMS messages from David James Adams related to your complimentary annuity review. These messages may include:

• Appointment scheduling
• Appointment reminders
• Responses to your inquiries
• Follow-up communications regarding your requested annuity review
• Customer support messages
• Informational notifications related to your annuity review

We do not send unsolicited marketing messages. Promotional or educational messages will only be sent if you have separately opted in to receive them.

Opt-Out

To stop receiving messages, reply STOP to any text message. Reply STOP to opt out at any time. Reply HELP for assistance. Message frequency varies. Message and data rates may apply. Message and data rates may apply. Check with your carrier for details.

Carriers are not liable for delayed or undelivered messages.

You must be 18 years of age or older to use this SMS service.

Educational Information Disclaimer

All content on this website is for educational and informational purposes only. The information provided is general in nature and may not apply to your specific financial situation. We make no representations or warranties about the completeness, accuracy, or reliability of any information on this website.

No Investment Advice

Nothing on this website constitutes investment advice, a recommendation to buy or sell any security or insurance product, or a solicitation to enter into any financial transaction. Any discussion of annuities, investments, or retirement strategies is educational in nature and should not be relied upon as personal financial advice.

No Fiduciary Relationship

Submitting information through this website, requesting a review, or speaking with a licensed financial advisor does not, by itself, create a fiduciary or advisory relationship. A formal advisory relationship is established only through a separate written agreement, if applicable.

User Responsibility

You are solely responsible for your own financial decisions. Before making any decisions about your annuity, investments, or retirement plan, you should consult with qualified professionals, including tax, legal, and financial advisors, who are familiar with your individual circumstances.

Intellectual Property

All content on this website, including text, images, logos, and design elements, is the property of The Annuity Checkup or Ensemble Wealth Management and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or use any content from this website without our prior written permission.

Limitation of Liability

To the fullest extent permitted by law, The Annuity Checkup, Ensemble Wealth Management, and their representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of this website or any information contained on it.

Changes to These Terms

We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

Contact Information

If you have any questions about these Terms & Conditions, please contact us.

The Annuity Checkup
c/o Ensemble Wealth Management
Phone: (760) 341-8932 Ext. 109