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Samples—Editing / Contracts

Below are selected sections of an agreement for investing in tax liens:

Before: 373 Words (Lawyer Version)



Custodian does not offer any investment advice, nor does it endorse any investment, investment product or investment strategy; and Custodian does not endorse any financial advisor, representative, broker, or other party involved with an investment selected by me. It is my own responsibility to perform proper due diligence with regard to any such representative, financial advisor ,broker or other party. Any review performed by Custodian with respect to investment shall be solely for Custodian’s own purposes of determining the administrative feasibility of the investment and in no way should be construed as an endorsement of any investment, investment company or investment strategy. In addition the acceptance of any investment should not be construed as an endorsement of any investment, investment company or investment strategy; This investment is not FDIC insured and may lose value. In addition the investment selected by the undersigned may lack liquidity; may be speculative and involve a high degree of risk; and may result in a complete loss of the investment. Any loss sustained in my Retirement Account will not affect my retirement income standard; and if a mandatory distribution arises, I will have the ability through my HSA and/or other retirement accounts to meet any mandatory distribution requirements.  Neither Custodian nor any employee or agent of Custodian has selected or recommended any investment for me; and neither Custodian nor any employee or agent of  Custodian has acted as a broker-dealer or salesperson in completing any purchase or sale of an investment of a security for me, except where Custodian may purchase or sell a publicly-held security on my behalf, at my own direction through its affiliate that receives a commission for such transaction.  Custodian is neither an agent nor a representative of any investment program or other entity in which or with which I may invest; and any salesperson, promoter, financial advisor, broker or other party involved in the purchase or sale of my investment shall be considered my own agent and representative and not the agent or representative of Custodian. Custodian has no duty or responsibility to investigate or make recommendations as to my choice of agent. Custodian shall not be responsible for or bound by any representations, warranties, statements or commitments made by such party.

After: 248 Words (PBW Rewrite) - 33% Reduction!



Custodian does not: (1) offer investment advice, (2) endorse any investment, investment product or investment strategy, or (3) endorse any financial advisor, representative, broker, or other party involved with Client’s investment selections.  Client is solely responsible for due diligence regarding investment representatives, financial advisors, or brokers.  Custodian’s review or acceptance of Client’s investment occurs solely to enable Custodian’s determination of the investment’s administrative feasibility, and is not an endorsement of Client’s investment, investment company, or strategy.  

Client’s self-directed IRA investments are not FDIC insured and may lose value, lack liquidity, be speculative, involve a high degree of risk, or result in a complete loss.   Client represents that any loss sustained in Client’s retirement account will not affect his or her retirement income standard, or the ability to satisfy mandatory distribution requirements through HSA or other retirement accounts. 

Neither Custodian or its employee’s or agents have selected or recommended any investment for Client, or acted as a broker-dealer or salesperson in any security investment transaction.  Custodian may purchase or sell publicly-held securities on Client’s behalf at Client’s direction through its affiliate, which receives a transaction commission.  Custodian is not an agent or representative of any investment program or entity in which Client invests.  Any salesperson, promoter, financial advisor, broker or other party involved in Client’s investment transactions are Client’s agent and representative, not Custodian’s.  Custodian does not investigate or recommend such agents or representatives, and is not responsible for or bound by any representations, warranties, statements, or commitments they may make.

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