This page is intended to provide clear information about the scope, limitations, and nature of services offered by Brixx Wealth Planning ("Brixx," "we," "our"). Transparency and clarity are central to how we work with clients.

Nature of Our Services

Brixx Wealth Planning is a planning-only firm that provides personalized financial planning, education, and general financial guidance.

Our services are designed to help clients:

• Understand their financial situation

• Clarify goals and priorities

• Evaluate options and tradeoffs

• Make informed financial decisions

All services are non-discretionary, non-transactional, and limited to planning, education, and guidance.

What We Do Not Do

Brixx Wealth Planning does not:

• Provide investment advice

• Act as a registered investment adviser (RIA)

• Manage or have custody of client assets

• Recommend specific securities, funds, or investment products

• Provide buy, sell, or hold recommendations

• Execute transactions on behalf of clients

• Sell insurance or financial products

• Receive commissions

Investment-Related Discussions

Any discussion related to investments occurs solely within a financial planning and educational context.

This may include:

• General asset allocation and diversification frameworks

• Risk tolerance and capacity discussions

• Scenario analysis and planning illustrations

• Educational explanations of investment concepts

These discussions are not investment advice and should not be relied upon as such. All investment decisions and implementation are the sole responsibility of the client.

Clients are encouraged to consult a properly licensed investment adviser or financial professional before making investment decisions.

No Fiduciary Investment Adviser Relationship

Brixx Wealth Planning is not acting as a fiduciary investment adviser under federal or state securities laws.

While our services are personalized and client-specific, engaging Brixx does not create an investment advisory, brokerage, or fiduciary relationship related to securities or investment management.

Tax and Legal Information

Brixx Wealth Planning does not provide tax preparation, tax filing, or legal services.

Any tax-related information provided is for planning and educational purposes only and should not be construed as tax advice. Clients should consult with a CPA, enrolled agent, or tax attorney before implementing any tax-related strategy.

Any estate or legal planning discussions are educational in nature. Clients should consult a qualified attorney for legal advice and document preparation.

Client Responsibility and Implementation

Clients retain full responsibility for:

• Financial decisions and implementation

• Selection of investment advisers, brokers, insurance professionals, attorneys, and tax professionals

• Outcomes resulting from decisions made based on planning discussions

Brixx Wealth Planning does not supervise or monitor third-party professionals.

Fees and Compensation

Brixx Wealth Planning is compensated solely through flat planning fees paid directly by clients.

Fees are disclosed and agreed upon in advance of services and are based on scope, complexity, and duration of the engagement.

We do not accept commissions, referral fees, or other forms of third-party compensation.

Confidentiality

Client information is treated as confidential and is not disclosed to third parties without client consent, except as required by law.

No Client Relationship Until Engagement

Submitting a contact form, scheduling a consultation, or receiving preliminary information from Brixx Wealth Planning does not create a client relationship.

A client relationship is established only upon execution of a written agreement outlining the scope and terms of services.

Changes to Disclosures

This disclosure page may be updated from time to time. The most current version will always be available on our website.

Questions

If you have questions about our services or these disclosures, please contact us directly.

Brixx Wealth Planning provides financial planning, education, and guidance only. We do not provide investment advice, manage assets, or recommend specific securities or financial products.