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Terms of Service

Last updated: September 2026

These Terms of Service ("Terms") govern your use of FreeRMDCalculator.com (the "Site"), operated by Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC ("we," "us," or "our"). By using the Site, you agree to these Terms.

SMS Messaging Terms & Compliance

If you opt in to receive text messages from us:

  1. You consent to receive recurring automated marketing and informational text messages from Roots and Wealth Group.
  2. Message frequency varies. Message and data rates may apply.
  3. You may opt out at any time by replying STOP to any message.
  4. You may reply HELP for assistance.
  5. Consent to receive texts is not a condition of any purchase or service.
  6. We do not share your mobile opt-in information with third parties for their own marketing purposes.
  7. Carriers are not liable for delayed or undelivered messages.
  8. These SMS terms are subject to our Privacy Policy.

General Terms

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must be at least 18 years old to use this Site.

RMD Calculator Disclaimer

The RMD calculator on this Site is provided for educational and informational purposes only. It provides an estimate based on the information you enter and general IRS formulas; it is not a substitute for personalized tax, legal, or financial advice. Required minimum distribution rules are complex and subject to change. Actual RMD amounts should be verified with a qualified financial advisor, tax professional, or your account custodian. We are not responsible for decisions made based solely on calculator results.

Intellectual Property Rights

All content on this Site, including text, graphics, logos, and software, is the property of Roots and Wealth Group or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Disclaimers

The Site and its content are provided "as is" without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of any information on the Site.

Registration & Passwords

If any part of the Site requires registration, you are responsible for maintaining the confidentiality of your account information and for all activities under your account.

Termination

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

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC
CA Lic. #4374774 · NPN 20996862
Phone: 707-WEALTH7 (707-932-5847)
Saint Augustine, FL 32092