Terms of Service

Last updated: April 12, 2026

Welcome to Solo401kArchitect.com, operated by Harper Holdings LLC ("Company," "we," "us," or "our"). By accessing or using this website and any services offered through it, you agree to be bound by these Terms of Service. Please read them carefully.

1. Services Provided

Solo401kArchitect.com provides retirement plan design consulting services for self-employed professionals and small business owners. Services include Solo 401(k) and Cash Balance plan illustrations, plan specification documents, and annual compliance strategy guidance.

All services are provided for informational and planning purposes only. We are not a registered investment advisor, licensed CPA, attorney, or enrolled actuary. Nothing on this website or provided through our services constitutes investment advice, tax advice, or legal advice.

2. Not Investment, Tax, or Legal Advice

The information, illustrations, and plan designs provided by Solo401kArchitect.com are for general informational and educational purposes only. They do not constitute:

You should consult a licensed financial advisor, CPA, ERISA attorney, and/or enrolled actuary before making any retirement plan decisions. Contribution illustrations are estimates only — final amounts must be confirmed by your TPA and enrolled actuary.

3. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information provided on this website and through our services. However, IRS rules, contribution limits, and retirement plan regulations change frequently. We do not guarantee that all information is current, complete, or accurate. Users are responsible for verifying all information with qualified professionals.

4. User Responsibilities

By using our services, you agree to:

5. Illustration Tool Disclaimer

The free illustration tool available on this website provides directional estimates based on user-entered data and published IRS limits. Results are not guaranteed and do not constitute an official plan design or actuarial valuation. Actual contribution amounts may vary based on your specific plan document, entity structure, income, and other factors.

6. Fees and Refund Policy

All consulting fees are due prior to commencement of work. Fees are non-refundable once plan design work has commenced. By making a payment through our website, you agree to these terms.

7. Intellectual Property

All content on this website, including text, graphics, illustrations, and plan design methodologies, is the property of Harper Holdings LLC and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Solo401kArchitect.com and Harper Holdings LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services. Our total liability for any claims shall not exceed the fees paid by you in the 12 months preceding the claim.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Continued use of our services after changes are posted constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by the laws of the State of Colorado, without regard to its conflict of law provisions.

12. Contact

Questions about these Terms? Contact us at damon@solo401karchitect.com or visit solo401karchitect.com.