Terms of Service

Acceptance of Terms

By accessing or using the website of Obsidian Wealth Management, LLC (DBA DoWhatTheWealthyDo.com) ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Nature of Services

Obsidian Wealth Management provides strategic consulting and implementation support related to wealth strategy, tax planning guidance, real estate strategy, business acquisition strategy, asset protection planning, retirement and estate planning, and general strategic advisory services.

No Advisor-Client Relationship

No advisor-client, fiduciary, or professional relationship is formed by your use of this website, submission of inquiry forms, attendance at consultations, or any communication with our team. A formal professional relationship is established only upon:

• Execution of a written client engagement agreement
• Completion of applicable onboarding procedures
• Payment of agreed-upon fees

Until such time, all interactions are exploratory and for informational purposes only.

No Guarantees

Results from wealth strategies, tax planning, real estate investments, business acquisitions, and other advisory services are not guaranteed. Outcomes depend on numerous factors including but not limited to:

• Client implementation and follow-through
• Market conditions and economic environment
• Regulatory and legal changes
• Individual financial circumstances
• Third-party service providers and partners

Past results, case studies, or examples referenced on this website do not guarantee future performance or outcomes.

Payment & Engagement Structure

Our services may include, but are not limited to:

• Implementation fees: One-time fees for specific strategy implementation, entity structuring, or project-based deliverables
• Advisory retainers: Ongoing monthly or quarterly fees for continuous strategic advisory and wealth planning services
• Project-based services: Defined-scope engagements with specific deliverables and timelines

All fees, payment terms, and service scope will be outlined in your client engagement agreement prior to the commencement of services.

Mortgage Alchemists — Affiliated Lending

SMS Communications & Consent

By providing your mobile phone number through our website, forms, or booking systems, you consent to receive recurring SMS text messages from Obsidian Wealth Management, LLC. Messages may include:

• Appointment confirmations, reminders, and scheduling updates
• Follow-up communications related to consultations and strategy sessions
• Service updates and engagement-related notifications
• Relevant information about our advisory services and offerings

SMS Communications

SMS Communications: By providing your phone number and using our services, you consent to receive SMS text messages from Obsidian Wealth Management regarding appointments, account updates, service notifications, and business communications. Message and data rates may apply. You may opt out of SMS messages at any time by replying STOP. You may request help by replying HELP. Obsidian Wealth Management complies with all applicable SMS regulations and TCPA guidelines.

Age Restriction

Our website and services are intended for individuals who are 18 years of age or older. By using this website, submitting forms, or engaging our services, you represent and warrant that you are at least 18 years old. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected data from a minor, we will take steps to delete such information promptly.

Limitation of Liability

To the fullest extent permitted by applicable law, Obsidian Wealth Management, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, arising from or related to your use of our website or services.

Our total aggregate liability for any claims arising from or related to our services shall not exceed the total fees paid by you to Obsidian Wealth Management in the twelve (12) months preceding the claim.

Intellectual Property

All content on this website — including text, graphics, logos, images, frameworks, methodologies, and proprietary materials — is the property of Obsidian Wealth Management, LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Governing Law & Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of our services shall be resolved in the appropriate courts within the United States.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Updated terms will be posted on this page with a revised effective date. Your continued use of our website or services after changes constitutes acceptance of the revised terms.

Contact

For questions regarding these Terms of Service, please contact: