By accessing or using DrawSmart Retirement Pro ("Service", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
DrawSmart Retirement Pro is a mathematical engine and financial planning tool designed to optimize asset drawdown sequencing. The Service provides:
DrawSmart Retirement Pro provides educational information, simulations, and mathematical planning tools only. The Service does NOT provide customized financial, investment, tax, or legal advice. All calculations, projections, and "Financial Translator" logs are estimates based on the data you manually input and should not be relied upon as the sole basis for making irreversible financial decisions. You should consult with a qualified, licensed fiduciary financial advisor or a Certified Public Accountant (CPA) before executing any tax strategies or portfolio changes.
DrawSmart operates on a strictly "Zero-PII" (Personally Identifiable Information) architecture. We do not require, request, or store bank login credentials, routing numbers, or account numbers. All of your foundational numbers, Roth models, and custom scenarios remain fully encrypted and stored securely on your local device. You are responsible for maintaining the confidentiality of your login email and password, and you accept responsibility for all activities that occur under your account.
Access to the DrawSmart intelligence engine requires an active subscription. All payments are processed securely through Stripe.
While we relentlessly update our engine to reflect current IRS and SSA rules, DrawSmart makes no absolute guarantees regarding the accuracy, reliability, or completeness of any generated projections. Federal and state tax laws, IRMAA thresholds, and inflation rates are subject to change by the government without notice, which may alter the accuracy of future projections.
To the maximum extent permitted by law, DrawSmart Retirement Pro and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, unexpected tax liabilities, government surcharges, or portfolio depletion, whether incurred directly or indirectly through the use of this Service.
We reserve the right to modify or discontinue the Service (or any part thereof) with or without notice. We may also revise these Terms of Service from time to time. The most current version will always be posted on this page. Your continued use of the Service after any changes constitutes acceptance of the new terms.
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States, without regard to its conflict of law provisions.
Any dispute arising from these Terms or your use of the Service shall first be attempted to be resolved through informal negotiation. If the dispute cannot be resolved informally within 30 days, either party may initiate binding arbitration. The arbitration shall be conducted in Virginia, and the arbitrator's decision shall be final and binding. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
If you have questions about these Terms of Service or how our engine calculates data, please contact us at: