TERMS OF SERVICE

Only Legacy Solutions — a d/b/a of The OnLY Legacy Group LLC

Effective date: September 17, 2026

Agreement

By using stwealthmoves.com and our related pages, watching our presentations, texting our number, or booking a consultation, you agree to these terms. If you do not agree, do not use the site.

What this is, and what it is not

Everything on this site — the presentations, the case studies, the written content — is educational. It explains general concepts involving cash value life insurance and financial positioning.

Caden Sterns is a licensed life insurance professional. He is not acting as your financial advisor, investment advisor, tax advisor, or attorney, and nothing on this site creates an advisory or fiduciary relationship between us.

Nothing here is an offer, solicitation, or recommendation to buy or sell any specific product, security, or investment. Nothing here is legal, tax, or investment advice. Consult your own licensed insurance, tax, and legal professionals before making any decision.

Examples and illustrations

Any examples, client stories, policy illustrations, and figures shown — including amounts contributed, borrowed, or projected — are specific to those individuals or are hypothetical illustrations.

They rely on non-guaranteed assumptions such as interest crediting and index performance. They are not typical, and they are not a guarantee or prediction of your results.

Your actual results depend on your age, your health, the issuing insurer, and how a policy is structured, funded, and maintained. Policy loans and withdrawals reduce cash value and the death benefit. A policy that lapses or is not properly structured may create tax consequences.

Guarantees are backed solely by the claims-paying ability of the issuing insurer. Favorable tax treatment depends on a policy meeting and continuing to meet the requirements of current tax law, which can change. No specific income, return, or result is guaranteed.

Insurance products

Any insurance product discussed is subject to underwriting, approval, and the terms of the issuing carrier's policy. Availability varies by state. We are licensed in the states in which we transact business and will tell you if we are not licensed in yours.

Consultations

Booking a consultation does not create a client relationship or obligate either of us to anything. We ask that you cancel or reschedule if you cannot make it. We reserve the right to decline to work with anyone.

Text messaging

Our text messaging terms are described in our Privacy Policy. In short: message frequency varies, message and data rates may apply, reply STOP to opt out and HELP for help, and consent is not a condition of purchase.

Your conduct

Do not use this site to break the law, to harass anyone, to scrape or copy our content for your own commercial use, or to interfere with how the site works.

Our content

The presentations, written content, graphics, and brand marks on this site belong to The OnLY Legacy Group LLC. You may view and share links to them. You may not republish, resell, or present them as your own.

Links to other sites

We may link to sites we do not control. We are not responsible for their content or their privacy practices.

Disclaimer and limitation of liability

The site and its content are provided "as is" and your use is at your own risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied.

To the fullest extent permitted by law, The OnLY Legacy Group LLC and Caden Sterns are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of this site or your reliance on its content. Our total liability for any claim relating to this site will not exceed one hundred dollars ($100.00).

Some states do not allow certain limitations, so parts of this section may not apply to you.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in Travis County, Texas.

Changes

We may update these terms. The effective date at the top will change when we do. Continuing to use the site after that means you accept the updated terms.

Contact

The OnLY Legacy Group LLC d/b/a Only Legacy Solutions

Email: [email protected]

Phone: (737) 399-8541

Austin, Texas