Last updated: February 2026
By accessing or using longfsg.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the Site immediately. These terms apply to all visitors, users, and others who access the Site.
Long Financial Services, LLC is an independent insurance services firm. Tod Long (NPN: 7569078) is a licensed independent insurance advisor. We are not a registered investment advisor, broker-dealer, or bank. We do not manage investment portfolios or provide securities advice.
All content on this Site — including articles, calculators, podcast episodes, videos, and any other materials — is provided for educational and informational purposes only. Nothing on this Site constitutes:
Calculator results are illustrative estimates based on the inputs you provide and generalized assumptions. They are not projections, guarantees, or personalized recommendations. Always consult a qualified financial, tax, or legal professional before making any financial decision.
Tod Long is licensed to offer insurance products in multiple states. Availability of specific products and services varies by state. Nothing on this Site constitutes an offer or solicitation in any state where we are not licensed to do business. Contact us to confirm availability in your state.
Insurance product illustrations and quotes are not guarantees of performance. All insurance guarantees are subject to the claims-paying ability of the issuing insurance company.
Our Site may link to or provide access to a third-party annuity quoting platform. Illustrations generated through that tool are hypothetical, not guaranteed, and are subject to change. Running a quote does not constitute an application, contract, or commitment of any kind.
The retirement planning calculators on this Site use simplified assumptions and generalized data. They do not account for your complete financial picture, tax situation, state law, inflation variability, or other factors that a comprehensive plan would address. Results should be used as a general starting point for conversation — not as the basis for a financial decision.
Use of this Site, including submitting a contact form or using a calculator, does not establish a client relationship with Long Financial Services or Tod Long. A formal client relationship is only established through a signed engagement agreement.
All content on this Site — including text, graphics, logos, calculator code, and podcast content — is the property of Long Financial Services, LLC and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our express written permission.
This Site may contain links to third-party websites, tools, or services. We do not control those sites and are not responsible for their content, accuracy, or practices. A link does not constitute an endorsement.
To the fullest extent permitted by law, Long Financial Services, LLC and Tod Long shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or reliance on any content herein. This includes, without limitation, any financial decisions made based on calculator results or educational content on this Site.
You agree to indemnify and hold harmless Long Financial Services, LLC, its members, officers, agents, and advisors from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site or violation of these Terms.
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Collin County, Texas.
We reserve the right to modify these Terms at any time. Changes are effective upon posting to this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
Questions about these Terms:
No products pushed. No pressure. Just a focused conversation about your retirement income picture.