These Terms of Membership Apply to all members of Garrett Planning Network as of February 9, 2026 .
These terms of membership (“Terms”) are between you (“Member” or “you”) and the Garrett Planning Network, Inc. (“GPN”) and govern our respective rights and obligations. Terms become effective upon GPN’s acceptance of Member’s Application for Membership (“Application”) and the subsequent notification of approval by GPN (“Effective Date”), which will occur via a welcome email sent by GPN to the email address provided in Application. For and in consideration of the covenants and agreements herein and other good and valuable consideration, the Parties* agree as follows:

*For purposes of these terms, Member and GPN are each referred to herein as a “Party” and collectively as, the “Parties”.

A. General Terms of Membership
In consideration for payment of the fees set forth below, GPN agrees to provide you with certain products and services including, but not limited to the products and services set forth at https://garrettplanningnetwork.com/membership-and-prices (“Membership and Prices”), those in this Agreement, and applicable to the membership package you have selected. Materials provided by GPN will be made available in electronic format on GPN’s website and will not necessarily be provided in hard copy form.

Once your membership is approved, you may identify as a Garrett Planning Network Member. You shall have the right to use the Garrett Planning Network logo and the phrase “Member of The Garrett Planning Network” in promotional materials, subject to these Terms. However any change in status as outlined in section B will revoke this privilege and you shall not be permitted to identify as a Garrett Planning Network Member, use the Garrett Planning Network logo or the phrase “Member of the Garrett Planning Network” or have a searchable profile posted on the GPN website until such issue is resolved.

Membership Categories:
Prospective members may join GPN via one of three categories:

1. Full Membership: Full Memberships include the products and services for the price listed under Full Membership on Membership and Prices.
2. Pathway Membership: Pathway Memberships include the products and services for the price listed under Pathway Membership on Membership and Prices.
3. Associate Membership: This option is available only to associates of firms if a firm principal is a Full Member. Associate Memberships include the products and services listed under Associate Membership on Membership and Prices.

An Associate Member is further defined with respect to public presentation: they operate under the same branding and/or public name as the principal RIA (Registered Investment Advisor) and/or listed IAR (Investment Advisor Representative). If an IAR operates under an RIA but uses an independent brand or public name, they are ineligible for Associate Membership and must pursue Full or Pathway Membership instead.

Payment Terms:

1. Payment information is provided by you at the time of your application, and YOU AUTHORIZE GPN (WITHOUT NOTICE TO YOU, UNLESS REQUIRED BY APPLICABLE LAW) TO COLLECT THE APPLICABLE MEMBERSHIP FEES ON THE DUE DATE APPLICABLE FOR YOUR MEMBERSHIP PACKAGE, AS SET FORTH BELOW.
2. The Effective Date of membership will be the date the first payment is received. For monthly payers, this payment obligation will continue each month thereafter and shall be paid on the same calendar day as the Effective Date, until termination of membership.
3. You may opt to pay annually by notifying GPN of such choice at least 10 days before your next monthly payment is due. Upon payment of an annual payment equal to the then-current monthly payment multiplied by 12 less a 5% discount for annual payments, your membership will continue for a 12 month period unless terminated pursuant to Section E, below.
4. Membership fees may be changed by GPN from time to time and will be effective and binding on you 45 days after notice of such change is provided to you. For annual payers, any fee increase would apply at the next renewal date.
5. Your payment obligations under these Terms shall cease upon the date your membership is terminated pursuant to these Terms, except for any payment obligations of yours that arose prior to the date your membership is terminated.

B. Member Agreements

1. You shall exclusively provide Fee-Only services. For purposes hereof, “Fee-Only” shall mean that you as an individual or through an entity, are compensated solely by your clients for providing professional financial planning or advisory services and neither you nor any Related Party shall receive Sales-related Compensation, from any source, in connection with any professional services you or your firm provide to clients.
   “Sales-related Compensation” refers to any payment tied to the sale, referral, or distribution of financial products, resulting in commissions.
   “Related Parties” refers to (a) any of Member’s directors or officers, or immediate family members thereof, or employees or (b) any other individual or entity that directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with you.
   The term “control” (including the terms “controlled by” and “under common control with”) means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of an individual or entity, whether through the ownership of voting securities, by contract or otherwise
2. You shall operate as a fiduciary to all clients. For purposes of this agreement, ‘fiduciary’ means that you are legally and ethically obligated to place the best interests of your clients ahead of your own interests.
3. You shall offer time-based services (defined as engagements billed on an hourly basis or as a fixed project-fee derived from an hourly rate). This engagement option must be presented in good faith as a genuinely available service.
4. You shall provide financial advice to individuals without any minimums as to income, assets, or net worth and no requirement for on-going service.
5. You shall comply with all federal and state regulations regarding registrations which may apply to your activities as a financial advisor, including but not limited to becoming an Investment Advisor Representative (IAR) of a Registered Investment Advisor (RIA) by registering with the appropriate federal and state authorities.
6. Upon joining GPN, all members shall abide by the CFP Board’s Standards of Professional Conduct and the Committee for the Fiduciary Standard’s Fiduciary Oath, regardless of certification status.
7. Your current ADV, should one exist, will be examined for compliance upon applying for membership. You agree to provide the Garrett Planning Network (GPN) with written notification within thirty (30) calendar days of any change to your Form ADV Part 1 or Part 2 that may impact membership eligibility, including, but not limited to, a change in the Member’s Fee-only compensation model, the establishment of minimum asset or fee requirements for client engagements, or the removal of time-based service offerings.
   Furthermore, should you not have an ADV or RIA affiliation upon joining GPN, you will immediately notify GPN upon this status changing and supply a copy of the appropriate ADV Part 1 and Part 2
8. No member is approved if they have a regulatory fine, arbitration, or settlement in excess of $10k.
9. Your firm shall identify as independently owned and operated and not owned or controlled by GPN.
10. You acknowledge and agree that you have the knowledge and experience in financial and business matters, including experience as an investment advisor or financial planner, to be capable of evaluating the merits and risks of providing services as a fiduciary and have not relied solely on any information provided by GPN in making the decision to provide services on a Fee-Only basis.
11. You acknowledge and agree that neither membership in GPN nor use of any of the GPN proprietary products and materials, including but not limited to marketing programs, templates, audio and video recordings (collectively, “Materials”) guarantees you profitability or clients. The success or failure of your business is solely your responsibility.

C. Certification Requirements
Except otherwise set forth in the Terms, Members of GPN must hold or obtain an approved certification within 5 years from the Member’s Effective Date and maintain such certification at all times thereafter. Members accepted prior to May 29, 2024 are strongly encouraged but not required to obtain one of the Approved Certifications/Designations.

Approved Certifications/Designations for the Members:

1. CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, granted by the Certified Financial Planner Board of Standards, Inc.
2. Personal Financial Specialist (PFS) credential, granted to CPAs by the American Institute of CPAs (AICPA).

Waiver request

If a member has not obtained required certification by the reaching of their 5 year membership mark, they can request a waiver application, up to 3 months prior to that date. The waiver process allows consideration of the member’s unique circumstances and determination of an appropriate course of action regarding continued membership in GPN.

D. Intellectual Property, Confidentiality, and Use of Materials

1. You acknowledge and agree that GPN owns all rights in and title to the names The Garrett Planning Network, Inc., The Garrett Planning Network, LLC, Garrett Planning Network, Garrett, the Garrett business model, the Garrett Planning Network logo and all materials provided hereunder to you including all copyright, trademark and other intellectual property rights.
2. You acknowledge and agree that any Materials are unique and not generally available to the general public. You further acknowledge that GPN owns all right, title and interest and copyrights to the Materials and that all of the Materials contain trade secrets and confidential information for purposes of these Terms.
3. You acknowledge and agree that the GPN intranet, also known as the Knowledge Bank, and its contents, discussion forums, announcements, and other content is provided for the exclusive use of GPN Members (or their independent contractors, subject to Section D.4) and under no circumstance shall any information, documents, discussions, or other content from the Knowledge Bank be shared with any party other than GPN or other members of GPN. You agree that you will abide by any and all rules and policies related to use of the Knowledge Bank provided from time to time by GPN, including any rules or policies related to the discussion forums related thereto. You will not, in such discussion forums or any other communication method, in any way disparage GPN or any member thereof.
4. You may download documents, recordings, and other items from the GPN Knowledge Bank, provided that any such downloaded material may be used solely by you and only so long as you remain a member in good standing with GPN. If you employ staff or work with independent contractors you shall be responsible for such employees and independent contractors maintaining GPN trade secrets and the confidentiality of any document, resource, or information gained through your affiliation with GPN.
5. You agree not to use the name “The Garrett Planning Network, Inc.”, “Garrett”, the Garrett Planning Network logo or any materials owned, provided or developed by GPN outside the use contemplated by these Terms, and to maintain confidentiality of the GPN business model, intellectual property, trade secrets, Knowledge Bank contents and discussions other than as necessary to provide financial advisory services in accordance with these Terms.
6. During your membership term, GPN grants You a limited, non-exclusive, revocable license to use the Materials provided by GPN in accordance with the terms or other restrictions provided by GPN in connection with such Materials. Notwithstanding the foregoing, all Materials shall at all times be owned exclusively by GPN.
7. You agree to notify GPN in writing at least 10 days prior to any material change in your information including address, telephone number, email address, website address or any other information contained on the Application.
8. You acknowledge and agree that all of your contributions to the GPN intranet, also known as the Knowledge Bank, including, but not limited to documents, discussion postings, and other content, shall remain part of the Knowledge Bank and shall be the sole property of GPN. To the extent your pre-existing intellectual property is incorporated into such contributions, such intellectual property shall remain Yours, but you hereby grant GPN (including all other GPN members with access to the Knowledge Bank) a perpetual, irrevocable, royalty-free license to use such pre-existing intellectual property of Yours solely as it is incorporated into your contributions to the Knowledge Bank. You acknowledge and agree that GPN expressly retains the right to use and house your contributions as part of the Knowledge Bank, subject to these Terms.

E. Confidentiality

1. GPN grants you limited rights to use Confidential Information (as defined below) pursuant to these Terms and your membership in GPN. For purposes of these Terms, Confidential Information shall include (i) the Materials, (ii) techniques, procedures, sales methods, other business methods and practices developed by GPN, (iii) information and products, including but not limited to, GPN’s business model, software, training materials, audio and video recordings and other promotional materials, logo or name and products and materials, developed or provided by GPN, (iv) discussions and materials provided or shared by other members of GPN and available on GPN’s intranet site (the Knowledge Bank), and (v) any other information gained as a result of or related to your membership in GPN, including use of the Knowledge Bank, which are not generally known to the public and are confidential in nature, all of which are and will continue to be of great and unique value to GPN. Confidential Information shall not include information that (i) is or becomes generally available to the public at large or to other professionals in the same or similar business as GPN other than as a result of disclosure in violation of these Terms, (ii) is made available to you from a third-party who is not subject to restriction on disclosure of such information, or (iii) was known to you, as demonstrated by your written records, prior to its disclosure to you by GPN.
2. You agree that all such Confidential Information acquired by you or that you will acquire as a result of or related to membership in GPN will be kept and maintained as confidential, in complete secrecy, except to the limited extent necessary to render advice to clients or as otherwise provided in these Terms. You agree not to copy, duplicate or store on computer files any of the Confidential Information which may be disclosed to you and shall not permit any other person to do so, except that to the extent written materials are marked as “may be duplicated for internal use of members only” or marked with any similar provisions, such materials may be duplicated in accordance with the express terms provided on the materials. The terms of this provision shall survive termination of membership.
3. In the event you breach the Confidentiality provision of these Terms, GPN shall be entitled, in addition to all other remedies available to it at law or in equity, to equitable relief, including specific performance and injunctive relief to enforce and provision hereof and to restrain you from using or disclosing, in whole or in part, directly or indirectly, any Confidential Information. You agree that, in addition to other costs and damages resulting from a breach of these provisions, you shall pay GPN’s attorneys’ fees and expenses.

F. Termination of Membership

1. Unless terminated as provided herein, these Terms remain in effect UNLESS YOU GIVE WRITTEN NOTICE OF YOUR INTENT TO TERMINATE MEMBERSHIP AT LEAST 10 DAYS BEFORE YOUR NEXT PAYMENT DUE DATE. YOU UNDERSTAND YOUR MEMBERSHIP WILL AUTOMATICALLY CONTINUE AND YOU AUTHORIZE GPN (WITHOUT NOTICE TO YOU, UNLESS REQUIRED BY APPLICABLE LAW) TO COLLECT THE THEN-APPLICABLE MEMBERSHIP FEE, INCLUDING TERMINATION FEES IN ACCORDANCE WITH PARAGRAPH 3 OF THIS SECTION, USING ANY ELIGIBLE PAYMENT METHOD WE HAVE ON RECORD FOR YOU.
2. GPN may terminate your membership at any time upon written notice to you if GPN determines, in its sole discretion, that you (i) have violated or breached any provision of these Terms, including without limitation any confidentiality provisions of these Terms or (ii) have failed to provide competent service to clients consistent with the requirements of these Terms.
3. You must notify GPN within 5 days if you fail to meet any of the criteria for membership in GPN as set forth in Sections B and C hereof or otherwise cease to conduct business as a Fee-Only Certified Financial Planner or other qualified professional designation. You will have 10 business days from time of notification to or from GPN to remedy the criteria failure. If You fail to cure such failure to meet the membership criteria within such period, Your membership in GPN will be automatically terminated.
4. Upon any termination set forth above, you agree to immediately cease using and to appropriately destroy any and all Materials provided to you by GPN, including but not limited to audio and video recordings, manuals, products and materials obtained from GPN’s Knowledge Bank and any other written or electronic materials. You further agree to immediately cease the use of GPN logo, the phrase “Member of The Garrett Planning Network, Inc.” and any other name, logo or mark owned by or associated with GPN. In the event you fail to comply with this provision, GPN shall be entitled to any and all remedies at law or in equity available to it, including but not limited to injunctive relief as provided in Section D, above, and indemnification as set forth in Section F, below.
5. Subject to Section 8D above, upon termination of your membership in GPN for any reason, you acknowledge and agree that all of your contributions to the GPN intranet, also known as the Knowledge Bank, and its contents, including, but not limited to documents, discussion postings, and other content shall remain part of the Knowledge Bank.
6. Upon termination of your membership in GPN for any reason, you shall not be entitled to a refund of all or any part of membership fees paid.

F. Indemnification
You agree to indemnify and hold harmless GPN, its shareholders, officers, directors, employees, agents, successors and assigns (the “GPN Indemnified Parties”) from and against any and all claims, demands, judgments, orders, losses, damages, costs, charges, liens, debts, fines, or penalties, including attorneys’ fees and consultant fees, arising from or relating to a breach of any of the provisions of these Terms by you, your membership in GPN or your use of GPN’s name, logo, products or other materials; provided (other than in accordance with these Terms or as instructed in writing by GPN), provided, however, that Member shall not be required to indemnify the GPN Indemnified Parties for any claims to the extent such claims arise solely out of GPN’s or any GPN Indemnified Party’s gross negligence, willful misconduct or material breach of these Terms. The terms of this provision shall survive termination of membership.

G. Additional Terms

1. These Terms shall be governed by and interpreted in accordance with the laws of the State of Kansas, without regard to conflict of laws principles. For purposes of any action brought as a result of these Terms, your membership in GPN or any other action between the Parties, the Parties hereby consent to, submit to the personal jurisdiction of and waive any objection to, the exclusive jurisdiction of state court in Olathe, Johnson County, Kansas, and the United States District Court for the District of Kansas. The Parties further consent to and waive any objection that venue of any action brought as a result of these Terms or your membership in GPN is proper in the above jurisdictions.
2. The Parties acknowledge that these Terms set forth the entire understanding and agreement of the Parties hereto as to the subject matter hereof, and supersedes all previous understandings, discussions or negotiations between the Parties, written or oral, regarding such subject matter. You acknowledge and certify that you have carefully read these Terms and understand that only those agreements contained herein are binding on the Parties hereto.
3. If one or more of the provisions of these Terms shall be held invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. In the event any provision is held illegal or unenforceable, the Parties shall use reasonable efforts to substitute a valid, legal or enforceable provision which, insofar as is practical, implements the purposes of the provision held invalid, illegal and unenforceable.
4. Failure at any time to require performance of any of the provisions herein shall not waive or diminish a Party’s right thereafter to demand compliance therewith or with any other provision. Waiver of any default shall not waive any other default. A Party shall not be deemed to have waived any rights hereunder unless such waiver is in writing and signed by a duly authorized officer of the Party making such waiver.
5. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GPN BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION OR LOSS OF BUSINESS INFORMATION) ARISING OUT OF THESE TERMS OR YOUR MEMBERSHIP IN GPN, INCLUDING, BUT NOT LIMITED TO, THE USE OF OR INABILITY TO USE THE MATERIALS, EVEN IF GPN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
6. You may not assign or sublicense any membership rights or any of the Materials provided under these Terms without the express written permission of GPN. GPN may assign its right under these Terms at any time without your consent.
7. These Terms may be executed in any number of separate counterparts, each of which shall, collectively and separately, constitute one agreement. Delivery of an executed counterpart of these Terms by electronic mail in PDF form shall be as effective as delivery of a manually executed counterpart hereof. The Parties hereto also affirmatively consent to acceptance of these Terms electronically. You understand the option to receive a paper version of these Terms by requesting the paper version from GPN.
8. GPN may in our discretion change these Terms with 45 days advance notice to you. If any change to these Terms is found invalid, void, or for any reason unenforceable, that change is severable and does not affect the validity and enforceability of any remaining changes or conditions. YOUR CONTINUED MEMBERSHIP AFTER A CHANGE TO THESE TERMS CONSTITUTES YOUR ACCEPTANCE OF THE CHANGES. IF YOU DO NOT AGREE TO ANY CHANGES, YOU MUST TERMINATE YOUR MEMBERSHIP.
9. Any written notice, pursuant to these Terms, by you to GPN shall be email addressed to staff@garrettplanning.com or postal mail addressed to: THE GARRETT PLANNING NETWORK, LLC, 4320 Vine Street, Suite 80-195, Hays, KS 67601