Disclosures

1. Nature of TruWealth Advisors

TruWealth Advisors is a business and wealth strategy consulting firm. We provide education, diagnostic assessments, and strategic planning around business profitability, tax strategy, and personal wealth structure for established founders and business owners.

TruWealth Advisors is not a registered investment adviser (RIA) with the U.S. Securities and Exchange Commission or any state securities regulator. TruWealth Advisors does not provide investment advisory services, securities recommendations, securities brokerage, or asset management services, and does not receive compensation in exchange for the provision of investment advice.

2. Not Investment, Tax, Legal, or Accounting Advice

All content on this website, the Wealth Creation Scorecard, the resulting report, the Wealth Ascension Blueprint Workshop, and any discovery, strategy, or consultation call is provided for general informational and educational purposes only. None of it constitutes investment advice, a recommendation regarding any security, a solicitation to buy or sell any security, tax advice, legal advice, or accounting advice.

You should not act or refrain from acting on the basis of any information shown here without first consulting your own qualified CPA, attorney, and a licensed financial professional familiar with your specific situation.

3. Affiliation with Apella Wealth

Phil Calandra is an Investment Adviser Representative (IAR) affiliated separately with Apella Wealth, an SEC-registered investment adviser. Any investment advisory services Mr. Calandra provides are provided through Apella Wealth pursuant to a separate written advisory agreement, and are subject to Apella Wealth's Form ADV Part 2A and Form CRS.

Engaging with TruWealth Advisors does not create an advisory relationship with Apella Wealth. Engaging with Apella Wealth is a separate decision made by you directly with Apella Wealth. Registration as an investment adviser does not imply any specific level of skill or training.

4. Testimonials

Testimonials displayed on this site reflect the personal experiences of individual clients of TruWealth Advisors and/or Apella Wealth. They are not necessarily representative of the experience of all clients and are not a guarantee of future results or success.

No cash or non-cash compensation was provided in exchange for any testimonial shown on this site. Initials and roles have been used in place of full names to protect client privacy. Testimonials may have been lightly edited for length and clarity without changing substance. There is no material conflict of interest known to us in connection with any testimonial shown.

5. Forward-Looking and Illustrative Figures

Statements regarding past outcomes — including profit improvement, tax savings, cash-flow improvement, and personal net-worth growth — are illustrative of individual results only and are not a guarantee of comparable future results.

Any dollar ranges presented in the Scorecard, the resulting report, or related materials (for example, "conservative annual cost of this gap" figures) are generalized, founder-level benchmark ranges intended solely for educational framing. They are not a projection, forecast, or guarantee for any specific business or individual. Your actual results will vary materially based on your specific business, tax, and personal circumstances.

6. Marketing Claims

"#1 Amazon Bestseller." Refers to the book's category ranking on Amazon.com at a specific point in time, and does not represent overall sales performance or any external editorial endorsement.

"$10B advisory firm." Refers to Phil Calandra's affiliation as an IAR with Apella Wealth. Assets-under-management figures are as reported by Apella Wealth and are subject to change.

7. Third-Party Links and Information

This site may reference or link to third-party information. We do not endorse or independently verify such information and are not responsible for its accuracy or availability.

8. Jurisdiction

The information on this site is intended only for persons resident in jurisdictions where TruWealth Advisors is permitted to operate. Nothing on this site constitutes an offer of investment advisory services in any jurisdiction in which such offer would be unlawful.

9. Contact

Questions about these disclosures may be directed to hello@truwealthadvisors.com.

This Disclosures page is provided for informational purposes and is not itself legal advice. TruWealth Advisors recommends that all marketing copy, testimonials, and disclosures be reviewed by qualified securities counsel before publication.