Affiliate Marketing Disclosure

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This website, RedefineRetirement.org, is owned and operated by Elara Management, a company incorporated in the District of Columbia. All affiliate relationships and business partnerships are conducted through Elara Management.

At Redefine Retirement, we are committed to providing valuable content and resources to help you navigate your retirement journey. In the spirit of full transparency and in compliance with Federal Trade Commission (FTC) guidelines, we want you to know that this website contains affiliate links and advertisements.

Some of the links on this website are "affiliate links." This means that if you click on a link and make a purchase or sign up for a service, Elara Management may receive a commission, referral fee, or other compensation at no additional cost to you. These affiliate partnerships help support our website operations and allow us to continue providing free, high-quality content about retirement planning and financial wellness.

We have financial relationships with some of the companies, products, and services mentioned on this website. We may receive compensation in the form of:

• Commission payments for purchases made through affiliate links
• Referral fees for services recommended
• Free products or services for review purposes
• Sponsored content fees
• Advertising revenue

• Independent Editorial Control: Our affiliate relationships do not dictate our editorial content. We maintain full editorial independence and control over all content published on this website.
• Honest Recommendations: We only recommend products, services, and resources that we believe may benefit our readers. However, our recommendations are based on our research and opinion and should not be considered as guarantees of results or suitability for your specific situation.
• No Extra Cost: Using our affiliate links will never cost you more than purchasing directly from the merchant's website.
• Clear Identification: We strive to clearly identify affiliate links, sponsored content, and paid partnerships throughout our website.

Elara Management may have affiliate relationships with various companies, including but not limited to:

• Financial service providers and investment platforms
• Insurance companies and brokers
• Banks and credit unions
• Book publishers and educational providers
• Retirement planning tools, software, and applications
• Professional service providers (attorneys, CPAs, financial advisors)

The products and services promoted through our affiliate links are provided by third parties. We make no representations or warranties about the quality, reliability, or suitability of these products or services for your particular needs.

Before making any financial decisions or purchases, you should conduct your own research and consider consulting with qualified professionals. We are not responsible for your decisions or any consequences resulting from your use of affiliate links or purchase of recommended products or services.

When you click on affiliate links or purchase products/services through our recommendations, you are subject to the third party's terms of service, privacy policy, and other applicable terms and conditions. We are not responsible for third-party practices or policies.

Our website [does/does not] honor Do Not Track (DNT) signals sent by web browsers. [If you honor DNT: When we receive a DNT signal, we will not track your browsing behavior for advertising purposes.] [If you don't honor DNT: We continue to collect information about your browsing activities as described in our Privacy Policy even if you send a DNT signal.]

Any testimonials, case studies, or examples provided are for illustrative purposes only and do not guarantee that you will achieve similar results. Individual results may vary significantly.

Nothing on this website constitutes professional financial, investment, tax, or legal advice. All financial products and services carry risk, including the potential loss of principal. Past performance does not guarantee future results.

In addition to affiliate links, we may display third-party advertisements and publish sponsored content. All sponsored posts will be clearly labeled as "Sponsored," "Paid Partnership," or similar designation. Advertisers do not control our editorial content, but we may receive compensation for displaying their advertisements or publishing sponsored content.

For California Residents: Under California privacy laws, you have specific rights regarding your personal information:

• Right to Know: You can request information about what personal data we collect, use, disclose, or sell
• Right to Delete: You can request deletion of your personal information (subject to certain exceptions)
• Right to Opt-Out: You can opt-out of the sale or sharing of your personal information
• Right to Correct: You can request correction of inaccurate personal information
• Right to Limit: You can limit the use of sensitive personal information
• Non-Discrimination: We will not discriminate against you for exercising these rights

When you click on affiliate links or make purchases through our recommendations, this may constitute a "sale" or "sharing" of personal information under California law. The information shared may include:

• IP address and device identifiers
• Browsing behavior and referral data
• Purchase activity and preferences
• Location information (if enabled)

California residents may request information about our disclosure of personal information to third parties for direct marketing purposes. You may make such requests once per calendar year.

We reserve the right to update this disclosure at any time. Material changes will be posted with a new effective date. Your continued use of this website after any changes constitutes acceptance of the updated terms.

This disclosure applies to all visitors to this website regardless of geographic location. However, the availability of affiliate products and services may vary by jurisdiction.

This disclosure is made in accordance with:

• Federal Trade Commission Guidelines (16 CFR Part 255)
• California Online Privacy Protection Act (CalOPPA)
• California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
• California Civil Code Section 1798.83 ("Shine the Light" Law)
• District of Columbia consumer protection laws
• Other applicable federal and state regulations

Legal Notice: This disclosure is part of our website's Terms of Use. By using this website, you acknowledge that you have read, understood, and agree to be bound by this Affiliate Marketing Disclosure.

Last updated: June 14, 2025