Disclosures and Terms of Use

Last updated: November 1, 2026

 

About T. Mann Financial

 

T. Mann Financial is the business name of Todd Mann Financial Services, Inc., an investment adviser registered with the State of Oregon. Registration does not imply a certain level of skill or training, and it does not mean that the State of Oregon has approved or endorsed our services.

 

Todd Mann Financial Services, Inc. is also a licensed insurance agency. Todd Mann is a licensed insurance agent and appointed with the insurance companies we represent.

 

We provide advisory services only in states where we are registered or exempt from registration. Information on this website is not an offer to provide advisory services in any other state.

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How We Are Paid

 

We are paid in several ways. Some of them create conflicts of interest, which we describe here and in our Form ADV Part 2A, Items 5 and 14.

 

Fees you pay us directly:

• Financial planning: a one-time fee for each plan, or an hourly rate for work outside a plan.

• Executive Office: an annual fee per household, billed quarterly.

• Wealth management: an annual fee based on the assets we manage, billed quarterly. When we use a third-party money manager or platform that charges an asset-based fee, that fee is paid out of our published rate, so your total for those services does not exceed that rate.

• Retirement plan consulting: an annual fee based on plan assets.

• High-yield savings (cash management): an advisory fee of 0.25% a year on cash balances, deducted by the cash platform from the interest before it is credited to you. We earn this fee only on cash held in the program and nothing on cash held elsewhere, which gives us an incentive to recommend the program.

 

Commissions and other compensation:

• Insurance: when you buy life, health, disability, long-term care, Medicare, fixed annuity or other insurance through our insurance agency, we receive commissions from the insurance company. This gives us an incentive to recommend insurance products. You are never required to buy insurance through us.

• Co-branded credit card: if we offer a credit card under the T. Mann Financial name, the card program will pay us a small percentage of the purchases clients make with the card. This gives us an incentive to recommend the card. Using it is always optional.

• Referrals to other advisers: if we refer you to another investment adviser and receive compensation for doing so, we will give you a written disclosure of the arrangement before you engage that adviser.

 

What we do not receive:

We receive no compensation from lenders, from the bill payment platform, from the estate planning document platform or the attorneys who use it, from the Family Hub technology provider, from our structured note distributor, or from our retirement plan platform. The cash platforms pay us only the client-paid fee described above.

 

Custodian

 

Client investment accounts are held at Charles Schwab & Co., Inc., an independent qualified custodian. Schwab is not affiliated with T. Mann Financial. You will receive account statements directly from Schwab and should compare them with any reports we provide. See Form ADV Part 2A, Item 12, for benefits we receive from Schwab.

 

Banking Services

 

T. Mann Financial is not a bank, a lender, a mortgage broker or a credit card issuer. Our banking services are provided with unaffiliated companies:

 

High-yield savings

High-yield cash accounts are offered through unaffiliated third-party cash platforms, currently Fispoke and Flourish. Neither platform is a bank. Deposits are placed at one or more FDIC-insured program banks and are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, for each ownership category. Extended coverage across multiple banks depends on the platform, how the account is owned and the number of program banks available, and may change. Deposits you already hold at a program bank outside the program count toward that bank's limit. FDIC insurance does not protect against the failure of a platform. Cash deposits are not securities and are not protected by SIPC. For accounts powered by Fispoke Inc., aggregate insurance is provided through network financial institutions; a list of National Bank InterDeposit Company (NBID) network banks is at nbid.com/bank-list. NBID and ModernFi are not FDIC-insured banks, and deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply.

Annual percentage yields (APY) shown on this website are after our 0.25% advisory fee, are as of the date stated, are variable and can change at any time.

 

Lending

Loans are made by unaffiliated lenders and are subject to their credit approval and terms. Loan comparisons and estimated approval odds are estimates only, and final decisions are made by the lender. We receive no compensation from lenders.

 

Credit and security

Our credit and security information is educational. We do not provide credit repair services, and we cannot remove accurate information from a credit report. No service can guarantee that fraud or identity theft will not occur.

 

Executive Office

Executive Office services are provided under a written agreement. Bill payments are made through an unaffiliated bill payment platform from the client's own bank account, and the client approves each payment. We do not have authority to withdraw client funds from those accounts. The Family Hub is provided through an unaffiliated technology vendor. Estate planning documents are prepared by unaffiliated attorneys.

 

Retirement Plans for Businesses and Nonprofits

 

We offer employer retirement plans through an unaffiliated recordkeeping platform, with an unaffiliated investment manager serving as the plan's ERISA 3(38) investment manager. Our role, fees and fiduciary status for each plan are described in the plan's written agreement and in our Form ADV Part 2A.

 

Legal, Tax and Accounting

 

T. Mann Financial does not provide legal, tax or accounting advice. Estate planning documents are prepared by unaffiliated attorneys, who are responsible for them. Business value estimates are produced by third-party software, are estimates for planning purposes only, and are not appraisals or valuations; they should not be relied on for any purchase, sale, financing, tax filing or legal matter. Please consult a qualified attorney, CPA or appraiser for those needs.

 

Insurance

 

Insurance products are offered through Todd Mann Financial Services, Inc. and its individually licensed and appointed insurance agents, who receive commissions on insurance sales. We do not sell property and casualty insurance. Insurance product guarantees are backed by the claims-paying ability of the issuing insurance company.

 

Medicare: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

 

Investment Risk

 

All investing involves risk, including the possible loss of principal. No investment strategy, including diversification, guarantees a profit or protects against loss. Past performance does not guarantee future results. Some investments we may use, such as structured notes, buffered ETFs, alternative investments and single-country funds, carry additional risks described in our Form ADV Part 2A, Item 8.

 

Examples of specific investments on this website, such as the Korean ETFs shown on our Korea page, are for illustration only. They are not recommendations, and we have not determined that they are suitable for any particular person.

 

Hypothetical illustrations on this website, such as savings growth charts, are for educational purposes only. They assume constant rates and no withdrawals or taxes unless stated otherwise, do not reflect actual results, and are not a guarantee of future results. Third-party figures, such as national average rates, come from sources we believe are reliable but have not verified independently.

 

Reviews and Social Media

 

We do not pay for, edit, or share reviews or comments posted on third-party sites. A review on a third-party site is not an endorsement by T. Mann Financial. Our social media pages are for general information, and our business communications, including social media, are archived as required by law. Please do not send personal or account information through social media; contact us by phone or email instead.

 

Consultations and Advisory Relationships

 

Our initial 30-minute consultation is complimentary. We offer it to explore whether a relationship with us is a good fit. An advisory relationship begins only after you receive our Form ADV Part 2A and 2B and sign a written agreement with us. Until then, nothing on this website or in a consultation is personalized investment advice. Current clients should tell us in writing about any change in their financial situation or goals.

 

Our Korea page is offered in English and Korean. All client meetings and agreements are in English. If the Korean translation differs from the English text, the English text controls.

 

Website Terms of Use

 

This website provides general information only. It is not an offer to buy or sell any security and is not personalized advice. Views expressed are as of the date written and may change. We may update these terms at any time by posting changes here.

 

Links to third-party websites are provided for convenience. We do not control those sites and are not responsible for their content, privacy practices or accuracy.

 

We use physical, electronic and procedural safeguards to protect personal information you share with us, as described in our Privacy Policy. Please do not send account numbers or other sensitive information by unencrypted email.

 

T. Mann Financial (Todd Mann Financial Services, Inc.)

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