Privacy Policy & ROBS Risk Disclosure

ROBS Advisory Group LLC

Privacy Policy & ROBS Risk Disclosure – ROBS Advisory Group LLC

Effective Date: May 1, 2026

ROBS Advisory Group LLC (“Company,” “we,” “us,” or “our”) provides specialized consulting services for individuals seeking to fund a business using retirement funds through a ROBS (Rollovers as Business Startups) structure.

We are committed to safeguarding your personal and financial information while maintaining transparency regarding the risks, compliance requirements, and regulatory considerations associated with ROBS transactions.

By accessing our website or engaging our services, you agree to the practices and disclosures outlined below.

1. Nature of Services (ROBS Advisory & Compliance Support)

ROBS Advisory Group LLC provides consulting and administrative support for:

401(k) business funding (ROBS structures)
Retirement account rollovers for business startup financing
C-Corporation formation guidance
Retirement plan setup and compliance coordination
Ongoing ROBS compliance support and advisory

Due to the nature of these services, we collect and process highly sensitive financial and retirement data.

2. Information We Collect

We may collect:

Personal Information

Full name, address, phone number, email
Date of birth (for retirement account verification)

Financial & Retirement Data

401(k), IRA, and other retirement account balances
Custodian and plan details
Employment and rollover eligibility information

Business Formation Data

Entity structure details
Ownership information
EIN and corporate documentation

Technical Data

IP address, browser type, usage analytics

3. How We Use Your Information

Your information is used exclusively to:

Evaluate eligibility for ROBS financing strategies
Structure compliant 401(k) business funding transactions
Coordinate with TPAs, attorneys, and CPAs
Provide onboarding, compliance support, and advisory services
Improve operational efficiency and client experience

We do not sell or monetize your personal data.

4. Information Sharing (Strictly for ROBS Execution)

ROBS transactions require collaboration with regulated professionals. Your data may be shared with:

Third-Party Administrators (TPAs)
ERISA compliance professionals
Attorneys and legal service providers
Certified Public Accountants (CPAs)
Financial institutions and payment processors

All parties are expected to maintain strict confidentiality and regulatory compliance.

5. ROBS Risk Disclosure (Important)

Funding a business using retirement funds through a ROBS structure involves significant financial, regulatory, and operational risks.

By engaging our services, you acknowledge and understand the following:

No Guarantee of Business Success

Starting or acquiring a business carries inherent risk. You may lose some or all of your retirement savings invested in the business.

IRS & DOL Compliance Risk

ROBS arrangements are subject to oversight by the Internal Revenue Service (IRS) and the Department of Labor (DOL). Improper structuring or ongoing non-compliance may result in:

Plan disqualification
Tax penalties and liabilities
Additional regulatory scrutiny or audits

Ongoing Compliance Obligations

ROBS is not a one-time transaction. It requires continuous compliance, including:

Proper plan administration
Annual filings (e.g., Form 5500)
Fair market compensation practices
Corporate governance adherence

Failure to maintain compliance may jeopardize the structure.

Prohibited Transactions Risk

Certain actions (e.g., improper use of funds, self-dealing, or failure to follow ERISA guidelines) may constitute prohibited transactions, triggering penalties.

Liquidity & Diversification Risk

Investing retirement funds into a single business reduces diversification and liquidity, increasing exposure to financial loss.

No Fiduciary Relationship

ROBS Advisory Group LLC does not act as a fiduciary unless explicitly agreed in writing. Final decisions remain solely the responsibility of the client.

6. Legal & Professional Disclaimer

ROBS Advisory Group LLC provides consulting and administrative support only.

We are not:

A law firm
A licensed investment advisor
A broker-dealer

Nothing on this website or in our communications constitutes:

Legal advice
Tax advice
Investment advice

Clients are strongly encouraged to consult with independent licensed professionals before making financial decisions.

7. Data Security & Confidential Handling

We implement industry-standard safeguards, including:

SSL encryption
Secure storage systems
Restricted internal access
Vendor due diligence

While we take every reasonable precaution, no system can guarantee absolute security.

8. Cookies & Tracking

We use cookies to:

Improve site performance
Analyze visitor behavior
Enhance user experience

You may disable cookies in your browser settings.

9. Data Retention

We retain information only as necessary to:

Provide services
Meet legal and regulatory obligations
Maintain business records

10. Your Rights

You may request:

Access to your data
Corrections
Deletion (subject to legal requirements)

11. Limitation of Liability

To the fullest extent permitted by law, ROBS Advisory Group LLC shall not be liable for:

Business performance or financial losses
IRS or DOL determinations
Third-party actions or service failures

All services are provided “as is” without warranties of any kind.

12. Informational Transparency Statement

Our website may include content related to:

ROBS compliance
401(k) business funding strategies
IRS guidelines for retirement rollovers
Business startup financing options

This content is provided for informational purposes only and should not be relied upon as professional advice.

13. Changes to This Policy

We may update this policy periodically. Continued use of our services constitutes acceptance of any changes.

14. Contact Information

ROBS Advisory Group LLC
📍 Riverview, CT
📧 info@robsadvisorygroup.com
📞 (888) 762-7401