These terms apply to your use of this website. By using the site or scheduling a call through it, you agree to them. If you do not agree, please do not use the site.
1. What this website is
This site publishes general educational material about financial concepts that physicians commonly encounter across a medical career. It is written to explain what those concepts are and when they tend to come up.
Nothing on this site is investment, tax, legal, or accounting advice, and nothing on it is individualized to you. It is not a recommendation or a solicitation to buy or sell any security or product. Everyone's circumstances differ, and financial decisions should be made after consulting qualified professionals who know your situation.
2. Scheduling a call does not create a client relationship
You can schedule a short call through this site to discuss the topics covered here. Booking a call, holding a call, or exchanging emails does not create a client, advisory, brokerage, or fiduciary relationship, and does not obligate either side to anything further. Any such relationship would be established separately, in writing, through the appropriate firm and account paperwork.
3. Licensing and where we can do business
Christopher Gandy is a registered representative and is registered or licensed only in certain states. Information on this site is published for general educational purposes and is not an offer to provide services in any jurisdiction where doing so would require registration or licensing we do not hold. Registration status and history are public record on FINRA's BrokerCheck, CRD #3251542.
4. Accuracy and third-party sources
The material here is believed accurate as of the date published and may become out of date. Statistics cited on the site are sourced to third-party research and are footnoted with their limitations. Tax rules, plan rules, and product terms change, and none of it is guaranteed to remain current.
Links to other websites, including BrokerCheck and cited research, are provided for convenience. We do not control those sites and are not responsible for their content, availability, or privacy practices.
5. Acceptable use
Please use this site for its intended purpose. You agree not to:
- Use it for any unlawful purpose, or in violation of these terms
- Attempt to gain unauthorized access to the site or any related system
- Interfere with the operation of the site, or scrape or harvest it by automated means
- Book appointments in bad faith, repeatedly, or on behalf of someone without their consent
6. Intellectual property
The content, layout, graphics, and design of this site are owned by The Legacy Wealth Group LLC or its licensors and are protected by copyright and other laws. You may read and share links to the site, and print pages for your own reference. You may not republish, resell, or use the content commercially without written permission.
7. No warranties
This site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
8. Limitation of liability
To the fullest extent permitted by law, neither The Legacy Wealth Group LLC nor Christopher L. Gandy will be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of your use of or inability to use this site — including any decision made or not made on the basis of information published here.
Nothing in these terms limits any liability that cannot lawfully be limited, and nothing in them waives any right you have under federal or state securities laws.
9. Indemnification
You agree to indemnify and hold harmless The Legacy Wealth Group LLC, Christopher L. Gandy, and their affiliates from any claim or demand arising out of your misuse of this site or your breach of these terms.
10. Privacy
Information collected through this site is handled as described in our Privacy Policy, which forms part of these terms. Note that communications with a registered representative may be reviewed and retained by the broker-dealer to meet regulatory requirements.
11. Changes
We may update these terms. The current version is always posted here with its effective date at the top. Continuing to use the site after a change means you accept the updated terms.
12. Governing law
These terms are governed by the laws of the State of Illinois, without regard to its conflict of laws rules. Any dispute will be brought in the state or federal courts located there, and you agree to that venue.
13. Contact
Questions about these terms can be sent to cgandy@midwestlegacyllc.com.