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Please read these terms and conditions carefully. Your access to and use of is subject to the following terms and conditions and all applicable laws. By accessing and using the, and any pages thereof, you agree to be bound by the terms and conditions below. All information, materials, terms, conditions and descriptions contained in the pages of these sites are subject to change. DO NOT CONTINUE WITH YOUR USE OF THESE SITES IF YOU DO NOT AGREE TO THESE TERMS OF USE. If you are accessing the private portion of the sites, you are also bound by the agreement that you entered into when you received your access information for the private portions of the sites.


Roth 401(k) Analyzer and Mini(k)Plan are registered service marks, and ERISAsfv is a registered trade mark of ERISA Expertise LLC.  ERISA Expertise LLC reserves the right to the commercial use of these marks unless otherwise indicated by written agreement with an authorized user or subscriber.


Unless otherwise indicated, the contents of these sites including, but not limited to, the text and images contained herein, and their design and arrangement are the property of ERISA Expertise LLC. Any trademarks used or referred to in these websites are the property of their respective owners. Materials copyrighted by ERISA Expertise LLC or owned by any individual or entity are presented here for personal, non-commercial use only unless otherwise indicated by written agreement with an authored user or subscriber. Nothing contained in these sites shall be construed as conferring by implication, estoppel, or otherwise, any license or right to any copyright, patent, trademark or other proprietary interest of ERISA Expertise LLC or any third party. These sites and their content, including, but not limited to, any text, charts, graphics, images, audio, video, html code, and buttons, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the written permission of ERISA Expertise LLC. You may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and that by this action you do not infringe upon any copyright, service and trademark, or other proprietary notices.


These sites and the information and materials contained herein, including text, charts, graphics, links or other items are provided “as available,” "as is." ERISA Expertise LLC does not guarantee or warrant the sequence, accuracy, timeliness, or completeness of any such data, information or material and expressly disclaims liability for errors or omissions in this data, information or materials. Where opinions are expressed, they are those of the authors and editors. ERISA Expertise LLC and Barry R. Milberg are not responsible or liable to any person or entity for any loss, damage, injury, claim, liability (whether actual, consequential, punitive or otherwise) or other cause based on or resulting from any data or material provided. Except for those portions of the sites where access is restricted by login, the information provided on these sites is free of charge. All information, regardless of where it is posted on the sites, is for informational purposes only. Access to the sites does not create a business or professional services relationship between you and ERISA Expertise LLC. ERISA Expertise LLC does not endorse any links to another site or services. Any use of the information provided on these sites, or any site or service linked to by these sites, is at your own risk. ERISA Expertise LLC does not warrant the accuracy, adequacy or completeness of this information and materials. ERISA Expertise LLC makes no representation or warranty of any kind with respect to these sites or to any site or service accessible through these sites. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

IRS Circular 230 Notice

To the extent that information on this website concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.


In no event will ERISA Expertise LLC be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if ERISA Expertise LLC, Barry R. Milberg or representation thereof, are advised of the possibility of such damages, losses or expenses. This disclaimer of liability applies to any information or materials within the ERISA Expertise LLC sites whether resulting from errors in or omissions from such material, any use of any such material by any third party, the content of any such material, or otherwise. Hyperlinks to other Internet resources are at your own risk. ERISA Expertise LLC does not investigate, verify, monitor or endorse the content, accuracy, opinions expressed or other links provided by these resources.


No information should be sent to us through the public portion of these sites if you consider such information to be private and confidential. Please note that we will assume that all information provided to us through the public portion of the sites is not confidential. By sending information to us, you grant us an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute the information that you provide, and you agree that we are free to use any ideas, concepts, know-how or techniques that you send us for any purpose whatsoever without any obligations to you. Information sent to us through the private portion of the sites is subject to the agreement that you signed when you obtained the access information for that portion of the sites.


This Agreement shall be governed by the law of Pennsylvania, in the United States of America, without giving effect to Pennsylvania’s choice of law principles. These Sites originate from and are maintained in the United States of America, and no representations is made regarding the legality of access to or use of the site or the materials from other countries. Users who access the Web Site from outside of the United States do so at their own risk and are responsible for compliance with applicable U.S. export and local country laws.

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