Working with an APEG Educational Pro

When you have a client situation you would like to discuss with an experienced educator that also has a financial planning background, take advantage of APEG's Pro Desk to work with one of our independent educators. Our team of independent educators that make up the APEG Pro Desk can work with you to help you use your redacted client fact pattern in a private tutoring session to discuss how they might address that type of client's financial planning goals. Our pro will discuss their thoughts on:

• Gathering the appropriate information
• Analyzing the client's current course of action without further planning
• Developing and evaluating possible alternative courses of action
• Communication techniques that may be effective
• Typical implementation techniques

Your Pro will conduct a courtesy 10-minute overview call to discuss the situation from a bird's eye view to determine if they can be a value-add to the situation. If so, they will quote the amount of time necessary to complete a private tutoring session.

If you would like to move forward with the proposed tutoring session, you will be instructed to purchase the time discussed during the overview call on the APEG site. The fee charged for the time purchased will be paid to the independent educator and APEG will retain a processing fee.

It is important to note that Pro can discuss the case from an educational perspective only with you and may not communicate directly with the client the tutoring session is based on.

After the private tutoring session, you are required to develop your own specific recommendations for your client’s situation, being mindful of your fiduciary obligation, your licensure, your obligation to adhere to your firms’ requirements and your own independent detailed analysis of the situation.

You may not communicate with your client that the information discussed with the APEG Pro was a recommendation of any type.

The APEG Pro's private tutoring session is an individual effort and not endorsed by APEG.

Unless specifically identified in a separate written agreement, no APEG Pro delivers legal or tax advice.

Gregg Fortune's experience lends itself to support cases that involve:

• Retirement income planning
• Portfolio Design
• Business Owner Planning
• Qualified Plan Design
• Estate planning and estate administration
• Special needs planning
• Effective income and estate tax strategies used with retired families
• Families with an average net-worth of $2m - $10m
• Long-term care planning
• Divorce planning

Upon requesting a private tutoring session, you will be directed to acknowledge and agree to a disclosure and hold-harmless document. Below are some of the basic terms of service.

My Understanding

I understand that the Advanced Planning Educational Group (APEG) is an educational firm and does not offer legal, tax, insurance, or financial advice. 

I understand that the service being offered is a private tutoring session (Tutoring Session) and NOT case planning support.

I understand that I have a duty to redact any Personally Identifiable Information of any client being used as the subject matter of the Tutoring Session.

I understand that the APEG Educational Pro (Pro) selected by me to deliver the Tutoring Session is acting in an independent capacity from APEG and that any formal or informal relationship that may exist between APEG and the Pro is unrelated to the Tutoring Service being delivered by the Pro to me.

I understand that the information presented by the Pro during the Tutoring Session is made available solely for general educational purposes. APEG does not warrant the accuracy, completeness, or usefulness of this information. The inclusion of any information or presentation during the Tutoring Session does not mean that APEG has endorsed, promoted, or vetted the information. No information is deemed to be legal, financial, insurance, or tax advice.

I understand that the Pro is not participating in any financial or insurance services to the subject client of the Tutoring Session and the Pro is not sharing in any compensation earned by me for services delivered to any client.

I understand the fee charged for the Tutoring Session is prepaid and compensates the Pro for the time purchased. If the hours estimated by the Pro and agreed to by me exceed the actual time used during the Tutoring Session, I will not receive a refund for any unused time.

I understand that if additional Tutoring Session time is requested by me, I will be required to again purchase additional prepaid time before the service is rendered. 

I understand that APEG will retain a portion of the prepaid Tutoring Session fee for processing.

I understand that Tutoring Sessions are available between 10am and 6pm eastern time and are scheduled at a mutually agreed upon time between the Pro and me.

I understand that if the Pro, in their sole determination, may discontinue the Tutoring Session service for any reason. If they discontinue the Tutoring Session service, I will receive a pro-rated refund, rounded to the nearest hour of prepaid tutoring.

I understand that I am required to develop my own specific recommendations for my client’s situation, being mindful of my fiduciary and legal obligations, my licensure, my obligation to adhere to my firms’ requirements and my own independent detailed analysis of the situation.

I understand that any introductions made by the Pro to me to any professional / entity is made on a courtesy basis and does not imply any warranty as to the quality of service being performed by the professional / entity. Related professionals may include, but are not limited to, attorneys, accountants, appraisers, trustees, insurance companies and intermediaries, financial institutions, and asset managers.

Release of Liability and Assumption of Risk

I waive and release all claims, now known or hereafter known, against APEG, and its partners, vendors, officers, directors, employees, agents, affiliates, successors, independent contractors, and assigns, on account of any claim brought as a result of the tutoring session, whether arising out of the ordinary negligence of APEG. I will not make or bring any such claim against APEG and forever release and discharge APEG from liability under such claims. This waiver and release does not extend to liabilities that are not permitted by law.

I shall defend, indemnify, and hold harmless APEG against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses, including reasonable attorney fees, fees, the costs of enforcing any right to indemnification under this Release, and the cost of pursuing any insurance providers, incurred by/awarded against APEG in a final non-appealable judgment, arising out or resulting from any claim of a third party related to my participation in the tutoring session, including any claim related to my own negligence.

If any term or provision is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision or invalidate or render unenforceable such term or provision in any other jurisdiction.