CCapital City Wealth Management

Terms of Service

Effective Date: October 16, 2026Last Updated: October 16, 2026

See also: Privacy Policy

Welcome to Capital City Wealth Management, Inc. These Terms of Service ("Terms") govern your use of our website, services, and text messaging program. By accessing our website or using our services, you agree to be bound by these Terms.

Capital City Wealth Management, Inc. is located at 1000 Tacoma Avenue, Bismarck, ND 58504.

1. Services

Capital City Wealth Management, Inc. is a fee-only financial planning firm that provides retirement planning education and services. Our services include but are not limited to:

  • Retirement planning
  • Ongoing planning
  • Ask Ben question and answer service
  • Educational content, including a newsletter, podcast, and YouTube channel

Capital City Wealth Management, Inc. is a registered investment adviser in the State of North Dakota. Registration does not imply a certain level of skill or training. Advisory services are provided only under a written agreement. Content on this website is for general education only and is not personalized investment, tax, or legal advice.

2. Text Messaging (SMS/MMS) Program Terms

By opting in to receive text messages from Capital City Wealth Management, Inc., you agree to the following:

2.1 Program Description

Capital City Wealth Management, Inc. offers a text messaging program that delivers:

  • Non-Marketing Messages: Appointment confirmations, appointment reminders, reschedule notifications, post-service follow-ups, and account information
  • Marketing Messages: Special offers, program announcements, educational content, and re-engagement promotions

2.2 Message Frequency

Message frequency varies based on your interactions with us and the types of messages you have opted in to receive. You may receive recurring messages.

2.3 Consent

By checking the applicable consent checkbox(es) on our contact form and providing your phone number, you expressly consent to receive the specified types of text messages from Capital City Wealth Management, Inc. Consent is not a condition of purchase or of receiving any service.

You must be 18 years of age or older to use this SMS service.

2.4 Opt-Out

You can cancel text messages at any time. Simply text STOP to any message you receive from us. After you send STOP, we will send you a final confirmation message and you will no longer receive text messages from us. If you wish to re-enroll, text START to opt back in.

2.5 Help

If you need assistance with our text messaging program, text HELP to any message from us, or contact us directly:

  • Email: benjamin@retirementstartstoday.com
  • Phone: (331) 316-8683

2.6 Message and Data Rates

Message and data rates may apply. Please check with your mobile carrier for details about your text messaging plan. We are not responsible for any charges incurred from your carrier.

2.7 Carrier Liability

Carriers (AT&T, T-Mobile, Verizon, and others) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator and is outside of our control.

2.8 Supported Carriers

Our text messaging program is compatible with most major US carriers, including but not limited to AT&T, T-Mobile, Verizon, Sprint, and their affiliates. Carrier support may vary.

For details on how we handle your information, see our Privacy Policy.

3. Website Use

You agree to use our website for lawful purposes only. You may not:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to any part of the website
  • Transmit any viruses, malware, or other harmful code
  • Use automated tools to scrape or collect information from our website

4. Intellectual Property

All content on this website, including text, graphics, logos, images, audio, video, and software, is the property of Capital City Wealth Management, Inc. and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

5. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee specific financial results, investment returns, or outcomes. Individual results vary based on personal circumstances, markets, and other factors.

6. Limitation of Liability

To the maximum extent permitted by law, Capital City Wealth Management, Inc. and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

7. Governing Law

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

8. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be indicated by the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes acceptance of the revised Terms.

9. Privacy Policy

Your use of our website and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information, including mobile information and SMS opt-in data.

10. Contact Us

If you have questions about these Terms of Service, please contact us:

  • Email: benjamin@retirementstartstoday.com
  • Phone: (331) 316-8683
  • Address: 1000 Tacoma Avenue, Bismarck, ND 58504

For text messaging help, reply HELP to any message or contact us at the email address above.