Terms of Service
What this site is, what it is not, how our tools should be used, and the terms for text messages from us.
These terms apply to walterswm.com and the calculators, guides, questionnaires and forms on it. By using the site, you agree to them. If you do not agree, please do not use the site.
Walters Wealth Management, LLC (“Walters Wealth Management,” “we,” “us”) is a financial practice in Poulsbo, Washington. Securities are offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC, and investment advisory services are offered through Kestra Advisory Services, LLC (Kestra AS). Walters Wealth Management, LLC is not affiliated with Kestra IS or Kestra AS.
Everything on this site is general information for educational purposes. It is not personalized investment, tax, legal or accounting advice, and it is not an offer or a recommendation to buy or sell any security or to use any strategy.
Our advisors may only conduct business with residents of the states where they are properly registered. Not all products and services described on this site are available in every state.
Visiting this site, using its tools, or contacting us does not create a client relationship. A client relationship begins only after we have both signed a written agreement.
Our calculators, the Washington Saves questionnaire, the 4-Minute Reckoning and the Plan Health Scorecard produce hypothetical estimates for illustration. Results depend on the figures you enter and on the assumptions each tool describes, and they rely on laws, rates and limits that can change.
Results are not a guarantee of any outcome and may not reflect your full situation. Please review any decision with your CPA, attorney or financial advisor before acting on it. Each tool explains its sources and assumptions on its own page.
We work to keep the site accurate and current, and many pages show the sources we rely on. Information can still become out of date, and we do not promise that every page is complete, accurate or current at all times. We may change, update or remove content at any time without notice.
Website forms, email and text messages are not secure for sensitive information. Please do not send account numbers, Social Security numbers or similar details this way; we will provide a secure way to share them when needed.
Requests to buy or sell securities, move money, or change an account are not acted on until we have confirmed them with you directly. Please do not rely on a website form, email or text message alone for anything time-sensitive.
Our communications, including email and text messages, are kept and may be reviewed by Kestra as securities regulations require.
Program. Walters Wealth Management text messages are conversational and service messages with clients and with people who have asked to hear from us, such as scheduling and appointment reminders, follow-ups, document requests and replies to your questions.
How you opt in. You agree to receive texts by giving us your mobile number and your permission, verbally, in writing or on a form, or by texting us first. Agreeing to receive texts is not a condition of becoming a client or of any purchase.
Frequency and cost. Message frequency varies. Message and data rates may apply.
Opting out and help. Reply STOP at any time to stop receiving texts; we will confirm by text and send no further messages unless you opt in again. Reply HELP for help, or call us at 360-364-1777 or email [email protected].
Carriers. Mobile carriers are not liable for delayed or undelivered messages.
Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details. Please do not text account numbers, Social Security numbers or other sensitive information.
The site links to and uses services from other companies, such as Kestra, FINRA, SIPC, government sources, Google Maps and our scheduling providers. Those sites and services have their own terms and privacy policies, and we are not responsible for their content or availability.
The text, tools, graphics and design of this site belong to Walters Wealth Management or are used with permission. You are welcome to use the site and share links to it. Please do not copy, republish or sell its content or tools without our written permission.
Stories published in Built in Kitsap are shared with the permission of the business owners featured, and remain subject to their approval.
The site and its tools are provided “as is” and “as available,” without warranties of any kind. To the extent the law allows, Walters Wealth Management, Kestra IS and Kestra AS are not liable for any loss or damage arising from your use of the site, its tools or its content, or from your reliance on them.
Nothing in these terms limits any rights you may have under federal or state securities laws or any other law that cannot be waived.
These terms are governed by the laws of the State of Washington, without regard to its conflict of law rules.
We may update these terms from time to time. When we do, we will post the new version here and change the “Last updated” date. This version was last updated October 27, 2026.
See also our Privacy Policy.