Disclosures.

Firm registration and Form ADV.

Index Gurus, Inc. is an investment adviser registered with the California Department of Financial Protection and Innovation (DFPI). Registration does not imply a certain level of skill or training, nor does it imply endorsement by the State of California. The firm may transact business in other states only where it is registered or exempt from registration.

Index Gurus, Inc. is a fee-only adviser and acts as a fiduciary when providing investment advice to clients, which means it is required to act in each client's best interest within the scope of the advisory relationship.

Where to find our official regulatory filings.

The Investment Adviser Public Disclosure (IAPD) website is the official public database of investment adviser filings, including those of state-registered advisers. You can review the following documents for Index Gurus, Inc. there:

• Form ADV Part 1: registration information, including ownership, business activities, and disciplinary history
• Form ADV Part 2A: the firm brochure, describing services, fees, conflicts of interest, and advisory practices
• Form ADV Part 2B: the brochure supplement for individuals who provide advisory services

We encourage every prospective and existing client to review these documents. They are the authoritative regulatory record of the firm. If anything on this website differs from our Form ADV, the Form ADV controls.

Advisory services, custody, and fees.

Written agreement.

Personalized advice is provided only after a client enters into a written advisory agreement. Discovery calls and preliminary proposals offered at no cost are informational and do not create an advisory relationship.

Non-discretionary management.

Index Gurus, Inc. provides investment management on a non-discretionary basis. We recommend investment changes, and trades are placed only with the client's approval.

Custody of client assets.

Client assets are held in the client's own name at an independent qualified custodian, Charles Schwab & Co., Inc. Index Gurus, Inc. does not hold client funds or securities. Where a client authorizes advisory fees to be deducted directly from an account, the firm follows the safeguards required by California regulations for that arrangement. Clients receive account statements directly from the custodian and are encouraged to review them and compare them with any reports or fee statements they receive from us. Index Gurus, Inc. is independent and is not affiliated with Charles Schwab & Co., Inc.

Fees.

Standalone financial planning engagements are billed as a fixed fee, starting at $2,950. Ongoing investment management is billed as an annual percentage of assets under management for households with $1 million or more in investable assets. Retirement plan engagements may include a plan-setup fee and an ongoing advisory fee. Third-party actuarial, recordkeeping, custodial, and fund expenses are separate. The complete fee schedule and billing practices are described in Form ADV Part 2A.

Conflicts of interest.

Fee-only compensation removes the conflicts that come with selling commission-paying products, but it does not remove every conflict. Material conflicts are described in Form ADV Part 2A. Among them:

• Asset-based fees. Because investment management fees are based on assets under management, the firm earns more when more assets are under its management. This can create an incentive, for example, to recommend against withdrawing assets to pay down debt or to fund other goals.
• Custodian services. The firm may receive services from its custodian, such as research, software, and operational support, that benefit the firm and may not benefit every client. These arrangements are described in Form ADV Part 2A.
• DrawDownIQ. DrawDownIQ is withdrawal tax modeling software developed and owned by Index Gurus, Inc. and licensed to other registered investment advisory firms. The firm uses it in client planning work. Because the firm owns and earns revenue from this software, the firm has an interest in its use; this business activity is described in Form ADV.
• Referrals. We may suggest CPAs, attorneys, actuaries, or other professionals for a client to consider. We do not receive compensation for these referrals.

We accept no commissions, referral fees, or product-placement payments.

Privacy policy.

Index Gurus, Inc. respects the privacy of visitors to this website and of clients who engage our services. This policy describes what information we collect through this website, how we use it, and the choices visitors have. It applies only to information collected through this website; our privacy practices for client account information are described in our separate written privacy notice, provided at the start of each advisory engagement and available on request.

Information we collect through this website.

We collect personal information when visitors choose to provide it:

• Contact form submissions: name, email address, and any additional information visitors provide in the message field
• Email correspondence: the email address and content of any message sent to faruk@indexgurus.com
• Calendar scheduling: name, email address, and time-slot preference when a visitor schedules a discovery call through our online scheduling tool
• Website analytics: information about how visitors use the website, such as pages viewed, approximate location, browser type, and referring source, collected through cookies and similar technologies used by our website and analytics providers

You can limit cookies through your browser settings; some site features may not work as intended if you do.

How we use this information.

Information collected through this website is used to:

• Respond to inquiries from prospective clients
• Schedule and conduct discovery calls and prepare requested proposals
• Communicate about advisory services that visitors ask about
• Improve the website's content, structure, and user experience
• Comply with applicable legal, regulatory, and recordkeeping obligations

What we do not do.

• We do not sell, rent, or trade visitor information
• We do not share visitor information for cross-context behavioral advertising
• We do not share visitor information outside the firm except with service providers needed to deliver the service a visitor requested, or as required by law

Service providers we work with.

To operate this website and our scheduling and email systems, we use third-party service providers including Squarespace (website hosting and site analytics), Google (calendar scheduling and website analytics), and standard email services. These providers process information as needed to provide their services and are subject to their own privacy policies.

Your privacy rights.

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, to the extent those laws apply, including:

• The right to know what personal information we have collected about you
• The right to request deletion of your personal information, subject to certain exceptions, including our regulatory recordkeeping obligations
• The right to correct inaccurate personal information
• The right to opt out of any sale or sharing of personal information (we do not sell or share personal information for cross-context behavioral advertising)
• The right to non-discrimination for exercising these rights

To make a request, contact us at faruk@indexgurus.com. We will respond within the timeframes required by applicable law.

How long we keep information.

We keep personal information collected through this website as long as needed to respond to the visitor's inquiry, complete related communications, and meet our legal and regulatory recordkeeping obligations. Inquiries that do not lead to an advisory engagement are retained for a limited period and then deleted in the ordinary course of business, subject to those obligations.

Changes to this policy.

We may update this privacy policy to reflect changes in our practices or legal requirements. The "Last updated" date at the top of this page shows when it was most recently revised.

Trademarks and credentials.

CFP Board owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER® in the U.S., which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.

The Chartered Financial Consultant® (ChFC®) credential is awarded by The American College of Financial Services. ChFC® is a registered trademark of The American College of Financial Services.

Faruk Jaffer, founder of Index Gurus, Inc., holds the CFP® certification and the ChFC® credential. These credentials reflect the education, examination, experience, and ethics requirements set by the respective organizations. Credentials do not guarantee investment results.

Risk disclosures and forward-looking statements.

General educational nature of website content.

Information on this website is general and educational and is provided for informational purposes only. Nothing on this website constitutes personalized investment, financial, tax, legal, or retirement plan design advice, or an offer to buy or sell any security. Personalized advice is provided only through a formal advisory engagement governed by a signed written agreement.

Illustrative examples and hypothetical scenarios.

Scenario models, sample portfolios, sample planning-software screens, hypothetical projections, and illustrative dollar figures on this website are educational only and do not represent the experience of any specific client. Results for any household depend on its actual circumstances, the tax law and IRS limits in effect, and the market environment.

Monte Carlo simulations.

Monte Carlo simulations, including the Confidence Zone planning range, are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results vary with each use and over time, depend on the assumptions used (including assumed returns, inflation, and volatility), and do not capture every risk.

References to client situations.

Descriptions of types of client situations and categories of work the firm has performed illustrate the range of work Index Gurus, Inc. undertakes. They are not testimonials, do not represent the experience of any specific client, and should not be read as a promise of similar outcomes.

Investment risk.

All investments involve risk, including the possible loss of principal. Diversification does not guarantee a profit or protect against loss. Past performance is not indicative of future results. Concentrated single-stock positions, including employer stock, carry substantial risk of loss. The firm's Innovation Moat approach tends to emphasize large-cap companies in growth sectors and may be less diversified than a broad index; actively managed portfolios may underperform their benchmarks. Strategies such as hedging, exchange funds, and charitable trusts involve costs, restrictions, and risks and are not appropriate for every investor.

Forward-looking views and market outlook.

The firm's Current Outlook, published on the Active Investment Management page, and other market views on this website reflect the firm's opinions as of the date stated and are subject to change without notice. They are not forecasts or recommendations of any specific security or sector; actual market outcomes may differ materially.

Tax law and regulatory references.

References to IRS limits, tax law, Medicare IRMAA thresholds, contribution limits, RMD ages, and similar rules reflect the rules in effect as of the date of publication. These rules change, and their application depends on each household's circumstances. Index Gurus, Inc. does not provide tax or legal advice; tax-related strategies described on this website should not be acted on without consulting a qualified tax professional.

Third-party products and trademarks.

This website references third-party products and services, including Envestnet MoneyGuide® planning software (screens used with permission) and Charles Schwab & Co., Inc. as custodian. These references are factual and do not constitute an endorsement of Index Gurus, Inc. by those third parties. Third-party trademarks are the property of their respective owners.

Third-party links, social media, and email.

Links to other websites.

This website contains links to websites operated by others, including the SEC's IAPD site, our scheduling tool, and our custodian's client portal. Index Gurus, Inc. does not control and is not responsible for the content, security, or privacy practices of those sites, and a link is not an endorsement of their content.

Social media.

Index Gurus, Inc. and Faruk Jaffer may maintain profiles on social media, such as LinkedIn. Content posted there is general and educational and is not personalized advice. Comments, reactions, or endorsements posted by others are not adopted or approved by the firm and should not be read as testimonials about the firm's advisory services.

Email and electronic communications.

Standard email is not a secure means of transmitting sensitive information. Please do not send Social Security numbers, account numbers, or other sensitive personal information by email; we will provide a secure method when that information is needed. We cannot accept trading instructions by email or voicemail, and such requests are not effective until confirmed with you directly. Electronic communications may be retained and reviewed as required by applicable recordkeeping rules.

Compliance contact and complaints.

Questions about the disclosures on this page, the firm's Form ADV, its privacy practices, or any other compliance matter, as well as complaints, can be directed to:

Faruk Jaffer
Founder, Principal & Chief Compliance Officer, Index Gurus, Inc.
faruk@indexgurus.com

You may also contact the California Department of Financial Protection and Innovation, which regulates the firm, through its website at dfpi.ca.gov.

For the most current regulatory record of the firm, please refer to its filings on the Investment Adviser Public Disclosure website at adviserinfo.sec.gov.