Terms of Use

Effective date: August 4, 2026

Agreement

By using standingoakadvisors.com, you agree to these terms. If you do not agree, please do not use the site. Standing Oak Advisors is an independent marketing brand name used by Scott Eichler, an investment adviser representative of Savvy Advisors, Inc. (an SEC-registered investment adviser). In these terms, "we" and "us" refer to that marketing activity, and these terms apply only to your use of this website.

Educational purpose only, not advice

The content and tools on this site are educational and general in nature. They are not investment, tax, legal, or accounting advice, and they are not a recommendation to buy, sell, or hold any security or to adopt any strategy.

Using this site, reading its content, or running its tools does not create an advisory, fiduciary, or client relationship with Scott Eichler, Standing Oak Advisors, or Savvy Advisors. An advisory relationship begins only through a signed agreement with Savvy.

Everyone's situation is different. Tax and investment outcomes depend on facts this site does not know about you. Before acting on anything here, consult a qualified professional who can review your specific circumstances.

About the calculators and decision tools

The calculators and decision tools produce estimates and illustrations, not personalized advice or guarantees. They rely on the inputs you provide and on general assumptions that may not fit your situation. Results can be incorrect or incomplete, and actual tax and investment results will differ. Do not rely on a tool's output as the basis for a transaction. Verify any number with your own tax and legal advisors.

Please do not enter sensitive personal or account information into the tools. See our privacy policy for how tool inputs are processed.

No offer or solicitation

Nothing on this site is an offer or solicitation to provide advisory services in any jurisdiction where doing so would be unlawful. Advisory services are offered through Savvy only where Scott Eichler and Savvy are appropriately registered or exempt. A list of states where Savvy is notice-filed is available in its Form ADV.

No warranty

The site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability. We work to keep the information current and correct, but we do not warrant that it is.

Third-party links and services

The site may link to or rely on third-party services (for example, our form provider, our scheduling provider, and the provider that powers the interactive tools). We are not responsible for the content, accuracy, or practices of third parties. Your use of a third-party service is governed by that party's own terms and privacy policy.

Intellectual property

The content, design, and tools on this site are owned by us or our licensors and are protected by law. You may view and share the content for personal, non-commercial use with attribution. You may not copy, republish, or use it commercially without our written permission.

Limitation of liability

To the fullest extent permitted by law, and solely with respect to your use of this website and its tools, we are not liable for any indirect, incidental, consequential, or special damages, or for any loss arising from your use of, or reliance on, the site or its content and tools.

Nothing in these terms limits or waives any right or remedy you may have that cannot be waived by law, including any non-waivable rights under federal or state securities laws. These terms govern website use only and do not limit, and are not intended to limit, any obligation Savvy owes to its advisory clients, including its fiduciary duty under the Investment Advisers Act of 1940.

Governing law

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules.

Changes

We may update these terms as the site or the law changes. When we do, we will revise the effective date above. Your continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms: [email protected], or write to us at 742 E Chapman Ave., Orange, CA 92866.