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Terms of Use

Please read these terms and conditions of use (“Terms”) carefully before using the website or any of the information or services provided by Expand Financial LLC (collectively “Expand”,“we”, ”our” or ”us”) in connection with the Website.

By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Expand in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website.You may use your browser to download or print a copy of these Terms for your records.

Expand reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

The Disclosures and Terms of Use associated with this website were last updated July 2021.We appreciate you taking the time to connect with us online, and we look forward to providing you with interesting content


Views and Opinions Expressed

The views, opinions, and analysis expressed here are Expand alone; are subject to change at any time; and are not intended to be a guarantee of future events.


Investment Advice is Offered through Expand Financial LLC

Investment Advice is offered through Expand, an investment adviser registered with the Securities and Exchange Commission. Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services offered, or that its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to Expand Financial are available on the SEC’s Investment Adviser public website at


Additional Services

Insurance and fixed annuity products may be offered through Summit Benefit Insurance.


Potential Material Conflicts of Interest

Expand Investment Advisor Representatives (IARs”) may also be Licensed insurance agents of our affiliate, Summit Benefit Insurance, for which they earn commission-based compensation when selling insurance products, including insurance products they may offer to clients of Expand. The recommendation that a client purchase an insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend insurance products based on commissions to be received, rather than on a particular client’s need.No client or prospective client is under any obligation to purchase any insurance commission products through our IARs. Clients and prospective clients are reminded that they always have the right to purchase insurance products recommended by us through other, non-affiliated insurance agencies.


This website and its contents is for marketing, guidance and general information purposes only.

Websites such as this are not impartial and are provided in connection with advertising and marketing of Expand services. Photos and images on this Website are not of past or present clients of Expand. These photos should not be construed as an endorsement of Expand by any client.

This Website is intended to provide general information pertaining to Expand’s investment advisory and management services and additional general investment related information, publications, and links solely to gain an understanding of our services so that you may contact us if you desire to engage our services. Content provided is in connection with advertising and marketing the services we offer.

Content on this Website should not be construed by any consumer and/or prospective client as solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment for compensation.

Content on this Website should not be construed to suggest a specific course of action or any action at all. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, insurance, legal or tax professional that takes into account all of the particular facts and circumstances of an investor’s own situation.

Nothing on this website should be considered tax or legal advice.

Prior to making any investment or financial decision, an investor should seek individualized advice from a qualified professional that takes into account all of the particular facts and circumstances of an investor’s personal situation.


Third Party Links

This website may contain links to articles or other information contained on a third party website. Expand does not endorse or accept responsibility for the content, or the use of the third party website. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Expand assumes no liability for any inaccuracies,errors or omissions in or from any data or other information provided on the third party websiteand inclusion or reference by Expand to any third party site should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.


Social Media Presence

Links to Expand social media presence on LinkedIn and Facebook are provided for marketing purposes. It is important to be aware that Expand is not affiliated with any social media site. It is up to you to read and understand the privacy policies and terms of service for each social media site you participate in. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by any third parties on social media sites. We have no control over how the social media sites or other third parties will use the information visitors share. We do not control, serve, adopt or endorse any content that may be published on any social media site.No part of any social media site is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment or insurance advice.

No client was compensated to follow us on any social media page or connect with us on social media. Clicking the “Like” button does not constitute a testimonial for or endorsement of our firm, any associated person, or our services. Clicking the “Like” button is merely a mechanism to circulate our Social Media page. The appearance of people that have chosen to follow or “like” our social media or connect with Expand, its investment advisor representatives on social media does not constitute a testimonial for endorsement of Expand or its investment advisor representatives, or any services Expand or its investment advisor representatives provide. It is not known whether such individuals approve or disapprove of our services.

The entire content of social media sites that we participate in, including third party posts, is archived by Expand, to comply with securities regulations. We do not provide investment advisory services or permit financial transactions be conducted through any social media site.Specific financial questions on account information can’t be posted by a client or an advisor and any such postings are subject to swift removal. Should any client of Expand, have specific questions or concerns relating to your account(s), please contact our office directly. You should not communicate or private message Expand, or your investment advisor representative through social media. As convenient as it is to message people within social media sites, Expand, or its Investment Advisor Representatives are not permitted to return messages within social mediachannels and cannot protect your privacy when you use social media sites. We will respond, but will do so from our monitored business email account.


Current Clients

If you are a current Client it is important to remember that it is your responsibility to notify us, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or modify any reasonable restrictions to our investment advisory services.


Engaging our Services

Please contact us at (720) 387-8158 to determine if investment advisory services are provided in the state where you reside. Any subsequent, direct communication by us with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

An investment advisory relationship can only be established and investment advice can only be provided after the execution of a written advisory agreement; and the delivery of Expand’s Firm Brochure; Brochure Supplement for each investment advisor representative supporting a particular client); and our ADV Part 3.

Clients who engage Expand should be aware that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy including those undertaken by us after engaging our services will be profitable or equal to any historical performance level(s).