Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the website located at https://totalwealthtax.dev and all sub-pages, the client portal, and any professional services provided by Total Wealth Tax Advisory ("Total Wealth Tax", "we", "our", or "us"), a CPA and tax-advisory firm headquartered in Westlake Village, California.

By visiting the Site, creating a portal account, submitting an inquiry, or engaging our professional services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, please do not use the Site or engage our services.

2. Educational and Informational Nature of the Site

The content published on this Site — including blog posts, articles, service descriptions, strategy overviews, guides, and other materials — is provided for general educational and informational purposes only. It does not constitute tax advice, legal advice, accounting advice, financial planning advice, or any other form of professional advice, and it does not create a client-CPA, client-attorney, or investment advisory relationship.

Tax laws are complex, change frequently, and vary significantly based on individual circumstances. Information on this Site may not reflect the most recent legislative or regulatory developments and may not apply to your specific situation. Whether any strategy or approach described on this Site applies to you depends on your specific facts, timing, documentation, and applicable law. You should not act — or refrain from acting — solely on the basis of information found on this Site without first consulting a qualified professional who has reviewed the full facts of your situation.

3. No Professional Relationship Without a Document Review and Signed Engagement

Submitting an inquiry form, scheduling a discovery call, providing information during a consultation, or creating a portal account does not establish a professional engagement, a client-CPA relationship, an investment advisory relationship, or any professional duty or obligation on the part of Total Wealth Tax Advisory or Total Wealth Services, LLC.

Our process is document-first: a professional relationship is created only after we have reviewed the relevant documents, proposed a scope of services, and completed the following:

1. execution of a written engagement letter or service agreement signed by both you and an authorized representative of Total Wealth Tax Advisory; and
2. your acceptance of the agreed fee arrangement as specified in the engagement letter.

Until those conditions are met, any communications — including discovery calls, emails, portal messages, or verbal discussions — do not constitute professional services and should not be relied upon as such.

4. Scope of Engaged Professional Services

When a formal engagement is established, the specific scope of services, deliverables, fees, and timelines will be defined in the applicable engagement letter. Our professional services may include:

• Individual and business tax preparation (federal and state)
• Year-round tax advisory and planning
• IRS and state tax agency representation
• Bookkeeping and accounting
• Payroll processing
• Client advisory and fractional CFO services

Investment advisory services — portfolio management, financial planning — are provided separately by Total Wealth Services, LLC, an SEC-registered investment adviser. Engagement with the RIA is governed by a separate advisory agreement and the RIA's Form ADV Part 2.

Services outside the scope of a specific engagement letter are not included and will require a separate engagement or written amendment. We reserve the right to decline any engagement at our sole discretion.

5. No Guarantee of Tax Outcomes or Investment Results

Content on this Site describing tax strategies, planning approaches, or financial concepts is educational. Whether any strategy may apply to your situation depends on your specific facts, timing, and documentation. We do not guarantee any particular tax position, refund amount, tax reduction, audit outcome, or financial result, for any client or prospective client.

With respect to investment advisory services provided by Total Wealth Services, LLC: past performance is not indicative of future results. Investment returns and principal value may fluctuate, and you may receive more or less than the amount invested. Nothing on this Site constitutes an offer to buy or sell any security or an investment recommendation.

We provide our professional services with skill and care in accordance with applicable professional standards. We cannot and do not promise specific outcomes.

6. Client Responsibilities

When you engage our professional services, you agree to:

• provide complete, accurate, and timely information and documentation necessary to perform the agreed services, including all relevant financial records, prior returns, and supporting documents;
• notify us promptly of any changes to your financial situation, entity structure, business activities, or other circumstances that may affect your tax position or planning;
• review and approve all tax returns and filings before submission, as the taxpayer remains legally responsible for the accuracy of their return;
• respond to requests for information in a reasonably timely manner; and
• pay all agreed fees on the schedule specified in your engagement letter.

We are not responsible for errors, omissions, penalties, or other adverse outcomes arising from incomplete or inaccurate information provided to us.

7. Fees and Payment

Professional fees are set forth in your engagement letter. We do not bill by the hour for advisory engagements; fee structures are defined in the engagement proposal following a document review. Payment is accepted by credit card, debit card, and bank transfer through approved payment processors. All fees are in U.S. dollars.

Invoices not paid within 30 days of the due date may be subject to a late fee of 1.5% per month (18% per annum) or the maximum amount permitted by law, whichever is less. We reserve the right to suspend services on accounts with overdue balances.

Tax preparation and filing fees are generally earned upon completion of the applicable return. Advisory and ongoing service fees are billed as specified in the engagement letter. Retainers are applied against fees as services are rendered; unused retainer balances are refunded at the conclusion of an engagement.

8. Affiliation with Total Wealth Services, LLC

Total Wealth Tax Advisory operates in coordination with Total Wealth Services, LLC, an SEC-registered investment adviser. The two firms are separate legal entities under shared leadership. The CPA firm provides tax services; the RIA provides investment advisory and financial planning services. This coordination is disclosed to clients and is central to our integrated, tax-first approach.

Investment advisory services offered by Total Wealth Services, LLC are subject to its separate advisory agreement, Form ADV Part 2, and Form CRS. Neither Total Wealth Tax Advisory nor this Site provides investment advice in its capacity as a CPA firm.

Information about Total Wealth Services, LLC's registration, advisory services, fees, and conflicts of interest is available in its Form ADV, which is on file with the SEC and available to clients upon request.

9. Intellectual Property

All content on this Site — including text, graphics, logos, page layouts, and software — is owned by or licensed to Total Wealth Tax Advisory and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, transmit, or create derivative works from any Site content without our express prior written consent.

Nothing in these Terms grants you any license or right to use the Total Wealth Tax Advisory name, logo, or trademarks. Work product delivered to you under an active engagement (e.g., your completed tax return) is owned by you. Advisory reports, templates, and proprietary methodologies remain the intellectual property of Total Wealth Tax Advisory.

10. Client Portal and Account Security

Access to the client portal is limited to registered users with a valid engagement. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to:

• use a strong, unique password and not share your credentials with others;
• notify us immediately at info@totalwealthtax.com if you suspect unauthorized access to your account; and
• not attempt to access accounts belonging to other users or any restricted areas of the portal.

We are not liable for any loss or damage arising from your failure to protect your account credentials.

11. Third-Party Links and Services

Our Site may contain links to third-party websites (e.g., the IRS, California FTB, Cal.com scheduling, Onvio document portal, software providers) for informational or operational convenience. We do not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party site. Your use of linked sites is governed by their own terms and privacy policies.

12. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE SITE WILL BE FREE FROM VIRUSES, ERRORS, OR OTHER HARMFUL COMPONENTS.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, TOTAL WEALTH TAX ADVISORY DISCLAIMS ALL WARRANTIES WITH RESPECT TO INFORMATIONAL CONTENT ON THE SITE. PROFESSIONAL SERVICES DELIVERED UNDER A SIGNED ENGAGEMENT LETTER ARE SUBJECT TO THE WARRANTIES AND STANDARDS SPECIFIED IN THAT AGREEMENT AND APPLICABLE PROFESSIONAL STANDARDS.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TOTAL WEALTH TAX ADVISORY, ITS MEMBERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR RELIANCE ON INFORMATION FOUND HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITH RESPECT TO PROFESSIONAL SERVICES DELIVERED UNDER AN ENGAGEMENT LETTER, OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM A SPECIFIC ENGAGEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO US FOR THAT SPECIFIC ENGAGEMENT IN THE 12 MONTHS PRECEDING THE CLAIM, EXCEPT WHERE SUCH LIMITATION IS PROHIBITED BY LAW OR APPLICABLE PROFESSIONAL STANDARDS.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of certain damages, so some of the above limitations may not apply to you.

14. Indemnification

You agree to indemnify, defend, and hold harmless Total Wealth Tax Advisoryand its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site in violation of these Terms; (b) your provision of false, incomplete, or misleading information to us; (c) your violation of any applicable law; or (d) any third-party claim arising from your conduct.

15. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or related to your use of the Site or our professional services shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law provisions.

Before initiating any legal proceeding, you agree to contact us in writing at info@totalwealthtax.com to attempt to resolve the dispute informally. If the dispute cannot be resolved within 30 days of written notice, either party may pursue its available legal remedies.

Any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in Ventura County, California, and you hereby consent to the personal jurisdiction of those courts.

16. IRS Circular 230 Disclosure

To the extent any discussion of federal tax matters appears in content on this Site or in any preliminary consultation that does not constitute a formal engagement: such content was not intended or written to be used, and cannot be used, for the purpose of (a) avoiding penalties imposed under the Internal Revenue Code, or (b) promoting, marketing, or recommending to another party any transaction or matter addressed herein.

Formal tax advice prepared as part of a signed engagement is subject to IRS Circular 230 standards and will be clearly designated as a deliverable under that engagement.

17. Changes to These Terms

We reserve the right to update these Terms at any time. When we make material changes, we will post the revised Terms on this page with an updated "Last Updated" date. For active clients, we will provide notice by email. Your continued use of the Site after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, please discontinue use of the Site and contact us to discuss the impact on any active engagement.

18. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

These Terms, together with the Privacy Policy and any signed engagement letter, constitute the entire agreement between you and Total Wealth Tax Advisory with respect to your use of the Site and the provision of professional services, and supersede all prior or contemporaneous agreements, representations, or understandings on those subjects.

19. Contact Information

If you have questions about these Terms or wish to discuss the terms of a professional engagement, please contact us: