Website: www.cpfinancial.net

Effective Date: January 1, 2026

1. Acceptance of Terms

By accessing or using this website (“Site”), you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree with these Terms, please do not use this Site.

This Site is owned and operated by ClearPath Financial and Insurance Solutions, LLC also known as ClearPath Financial (“Company,” “we,” “our,” or “us”).

2. No Investment Advice

The information provided on this Site is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice.

Nothing on this Site constitutes an offer to sell, a solicitation to buy, or a recommendation of any security, investment strategy, or advisory service. Investment advisory services are offered only through proper registration and execution of required agreements.

3. Registration & Regulatory Disclosure

ClearPath Financial operates through its affiliation with Abraham & Co., Inc., a Registered Investment Advisor. Advisory services are only offered in jurisdictions where properly registered or exempt from registration.

For additional regulatory disclosures, please refer to our Form ADV Part 2A and 2B, available upon request.

4. No Client Relationship

Your use of this Site does not create an advisory or fiduciary relationship. An advisory relationship is established only after completion of required documentation, suitability review, and execution of a written advisory agreement.

5. Forward-Looking Statements & Market Risk

Any market commentary, projections, or forward-looking statements are based on current opinions, subject to change without notice, and are not guarantees of future results. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.

6. Third-Party Links

This Site may contain links to third-party websites. These links are provided for convenience only. ClearPath Financial does not control or guarantee the accuracy of third-party content and is not responsible for external policies or practices.

7. Intellectual Property

All content on this Site — including text, graphics, logos, branding, downloads, and materials — is the property of ClearPath Financial unless otherwise noted. Content may not be reproduced, republished, distributed, modified, or exploited without prior written consent.

8. User Conduct

You agree not to attempt unauthorized access to the Site, introduce malicious code, use the Site for unlawful purposes, or impersonate another person or entity. We reserve the right to restrict or terminate access if misuse occurs.

9. Privacy

Your use of this Site is also governed by our Privacy Policy. We do not collect personal financial information unless voluntarily submitted via contact forms or downloads.

10. Limitation of Liability

To the fullest extent permitted by law, ClearPath Financial shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of or inability to use this Site.

11. Indemnification

You agree to indemnify and hold harmless ClearPath Financial, its affiliates, officers, and employees from any claims arising from your use of the Site, violation of these Terms, or misuse of content.

12. Modifications

We reserve the right to modify these Terms at any time without prior notice. Continued use of the Site constitutes acceptance of updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

14. Contact Information

ClearPath Financial and Insurance Solutions, LLC
Matthew Sherman
Website: www.cpfinancial.net
Email: matt@cpfinancial.net

15. Downloadable Materials & Educational Content

This Site may provide access to downloadable materials, including but not limited to books (including Navigating Your Retirement), guides, checklists, worksheets, whitepapers, calculators, webinar replays, and podcast materials.

These materials are provided solely for educational and informational purposes. They do not constitute personalized investment advice and do not create an advisory relationship.

Examples, illustrations, case studies, and hypothetical scenarios are for educational purposes only and do not reflect the experience of any specific client. No reader should assume that strategies discussed will be suitable for their individual circumstances or achieve similar results.

Before implementing any strategy discussed in downloadable materials, individuals should consult with a registered investment advisor, tax professional, or legal professional as appropriate.

All downloadable materials are the intellectual property of ClearPath Financial and may not be reproduced, redistributed, or modified without prior written consent.