Effective Date:

May 23, 2025

Welcome to Redwood Retirement Specialists (“Company,” “we,” “our,” or “us”). By accessing our website located at

https://redwoodrs.com or using our services, you agree to comply with and be bound by the following Terms of Service (“Terms”). Please read these Terms carefully.

1. Acceptance of Terms

By using this website or engaging our services, you confirm that you are at least 18 years of age and legally able to enter into this agreement. If you do not agree to these Terms, please do not use our site or services.

2. Services

Redwood Retirement Specialists provides financial and retirement planning services. All content and services are for informational purposes only and do not constitute legal, tax, or investment advice unless specifically stated in a formal agreement.

3. No Financial Guarantee

While we strive to provide reliable retirement planning services, we do not guarantee financial outcomes or investment performance. Decisions based on information provided by us are your sole responsibility.

4. Client Obligations

You agree to provide accurate and complete information when engaging our services and to update such information as needed. You are responsible for maintaining the confidentiality of your communications with us.

5. Intellectual Property

All materials provided on this site—including text, graphics, logos, and software—are the property of Redwood Retirement Specialists or its licensors and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without prior written consent.

6. Third-Party Links

Our website may contain links to third-party websites. We do not endorse or assume responsibility for the content or privacy practices of any third-party sites.

7. Limitation of Liability

To the fullest extent permitted by law, Redwood Retirement Specialists shall not be liable for any direct, indirect, incidental, or consequential damages arising out of or relating to the use or inability to use our services or website content.

8. Disclaimer of Warranties

Our services are provided “as is” and “as available.” We make no warranties or representations, express or implied, about the suitability, reliability, availability, or accuracy of the services or website content.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review it for details on how we handle your information, especially mobile data:

"No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties."

10. Termination

We reserve the right to suspend or terminate your access to the website or services at our discretion, without notice, for behavior that violates these Terms or is otherwise harmful to other users or us.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Illinois. Any disputes arising from these Terms shall be resolved exclusively in the state or federal courts located in Illinois.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our website or services after such changes constitutes your acceptance of the new Terms.

13. Contact Information

For questions or concerns regarding these Terms, please contact:

Jeffrey R. Mason

Managing Director

Redwood Retirement Specialists

4320 Spring Creek Rd. Suite 114

Rockford, IL 61107

Phone: 815.516.0560

Email: [email protected]