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Privacy Policy and Opting-In


Live.2.100, Inc., d.b.a. Retirement Architecture ("us", "we", or "our"), takes your privacy seriously and is sensitive to potential concerns about how we use the personal information we collect from and about you.  In addition to this Privacy Policy, we have internal policies and practices designed to keep your personal information secure and to ensure that information about you is only used consistent with this Privacy Policy.  We actively apply principles of privacy by design and have a privacy team that is committed to helping to ensure that your personal information is safe and is handled properly.


This Privacy Policy describes how we collect, use, process, and disclose personal information of consumers. This Privacy Policy applies to Live.2.100, Inc. as well as Live.2.100, Inc's subsidiaries and affiliates, MIIBG, LLC and its affiliates which include independent financial professionals throughout the United States.


The scope of this Privacy Policy covers both your use of the and websites and any other ways in which you may interact with Live.2.100, Inc. such as when you speak to us on the phone.  It also describes the choices available to you regarding our use of your personal information.  Information for California residents are also included within this policy. 


By using Live.2.100's services, you accept the terms of this Privacy Policy. If you have questions or concerns about the Privacy Policy, or would like to exercise any of your rights around how data about you is used, you can let us know by calling our Customer Service department at (866) 294-3232.  If you are a consumer with a disability and are having trouble accessing this Privacy Policy, you may request to receive this Privacy Policy by emailing or by calling (866) 294-3232

In this section of the Privacy Policy, we explain what types of Personal Information we may collect about consumers.  The Personal Information collected depends on the type of interaction we have with a consumer (such as calling, visiting our website, or using one of our mobile apps), the types of products a consumer considers or purchases, and what information Live.2.100, Inc's customers choose to share with us.  This section includes all of the information that we may collect about consumers, but we will rarely collect all of these types of information about any single person. 

As used in this Privacy Policy, Personal Information means information that relates, and is capable of being linked, to a particular person.  It does not include de-identified or aggregate information. 

Live.2.100, Inc. potentially collects the following categories of information about consumers, some of which may be collected or maintained in a manner such that it can be considered Personal Information:

Identifiers: Examples of the types of identifiers that Live.2.100, Inc. may collect include real names, nicknames, postal addresses, online identifiers, Internet Protocol addresses (“IP addresses”), email addresses, account numbers, Social Security numbers, driver’s license numbers, passport numbers, and other government identification numbers.

Other types of information:  Examples of other types of information include physical characteristics or descriptions of you, telephone number, insurance policy number, education, employment, financial information including bank account, credit card, and debit card numbers, and health insurance information.  It also includes additional information provided to Live.2.100, Inc. directly by you, such as when you complete a questionnaire, answer a survey, or receive a financial consultation. This category includes information identified as Personal Information in California Civil Code Section 1798.80(e) that is not otherwise categorized.

Characteristics protected under some laws: Examples of the types of characteristics that Live.2.100, Inc. may collect include age, national origin, citizenship, marital status, medical information, sex, sexual orientation, and veteran or military status.

Commercial information: Examples of the types of commercial information that Live.2.100, Inc. may collect includes records of business and other property owned, products or services purchased, obtained, or considered from Live.2.100, Inc. or our partners, and other purchasing or consuming histories or tendencies.

Internet information: Examples of the types of internets or other electronic network activity information that Live.2.100, Inc. may collect includes browsing history, search history, information about the device the consumer is using to access our website or applications, and information regarding a consumer’s interaction withLive.2.100, Inc.’s or our partners’ websites, applications, or advertisements.  We may also collect information from visitors to our website such as browser settings, operating systems, referring/exit pages, and clickstream data.  When we send you an email, Live.2.100, Inc. may also collect information, including about how you interact with that email.

Geolocation information: Live.2.100, Inc. may collect information about where a consumer resides or is otherwise located.

Audio and visual information: Live.2.100, Inc. may make audio recordings of calls with consumers.  We may make visual recordings of consumers when they visit our premises or when consumers agree that Live.2.100, Inc. may take their photograph or videotape them. 

Professional and employment-related information: Examples of the types of professional and employment-related information Live.2.100, Inc. may collect includes information about professional status and affiliations, employment history, and employment status.

We do not collect biometric or education information that is maintained by an educational institution or party acting on an educational institution’s behalf.  We also do not collect inferences about consumers, although as described below, we may internally create inferences based on the information that we do collect.

Where We Collect Information About Consumers.

In this section of the Privacy Policy, we explain where and how we collect data about consumers.  We receive information about consumers from several categories of sources.  To learn more about which categories of information we collect from which source, please refer to the chart in the section below entitled Summary of Live.2.100, Inc.’s Practices Regarding Consumer Information.

Consumers:  The vast majority of the information that Live.2.100, Inc. collects comes directly or indirectly from the consumer that it relates to.  Information that is collected directly from you is information that you provide when you complete a form online, use a chat feature, or speak to us on the phone.  We may also collect information indirectly about you when you interact with our website, through the use of cookies and other tracking technologies.  Indirect collection is described in more detail in the section below called “How Live.2.100, Inc. Uses Cookies and Similar Technologies.”

Service Providers: We may collect information about you from our Service Providers.  As used in this Privacy Policy, Service Providers means entities that Live.2.100, Inc. has contracted with to provide us with services to help fulfill our business needs.  An example of the type of information that we may receive from a Service Provider is information about when you may consider collecting Social Security. Service Providers may also assist us in collecting information both directly and indirectly from you.

Professionals (including Financial Planners, Attorneys and other Professionals): We may collect information about you from the independent professionals with whom you may schedule a consult with through our Roth Conversion development process.  An example of the type of information that we may receive from these professionals includes the fact that a consult has occurred.  In regard to estate planning, while we cannot control what information attorneys share with us, Live.2.100, Inc. does not intend to collect any information from attorneys where the collection would result in a waiver of the attorney-client privilege.

Business Partners and Affiliates:  We may collect information about you from our business partners and affiliates.  An example of the type of information that we may receive from business partners and affiliates is information about the product you purchased
from them after you indicated an interest in an offer that Live.2.100, Inc. presented to you. 

How We Use the Information We Collect About Consumers.

In this section of the Privacy Policy, we explain our commercial and business purposes for collecting information about consumers.  Live.2.100, Inc. uses the information that it has collected about consumers, for the purposes listed below.  In some instances, we may combine information that we have collected from multiple sources in order to fulfill these purposes.  Live.2.100, Inc. potentially uses each category of information that we collect for each of these purposes.

If, in the future, Live.2.100, Inc. wishes to use information about you in a manner that is not consistent with the purposes outlined below, we will seek your consent prior to the expanded use if and where we are legally required to do so.

Providing Products and Services:  Live.2.100, Inc. collects information for the purpose of providing products and services.  We may also use information to respond to inquiries from potential customers who are interested in learning more about our products and services.  Examples of the types of uses of consumer information for these purposes include producing and delivering Roth Conversions, administering the and websites, and displaying content based on consumer preferences.

Security:  Live.2.100, Inc. collects information for the purpose of ensuring that we maintain appropriate security over computer networks and our physical facilities.  We may also collect information for the purposes of detecting fraud or other suspicious activities.

Product Development: Live.2.100, Inc. collects information for use in improving our existing products and developing new products.


Log Data: Like many site operators, we collect information that your browser sends whenever you visit our Site ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor, and analyze the data we collect.

Analytics:  Live.2.100, Inc. collects information for use in performing various types of analytics.  For example, Live.2.100, Inc. uses information to analyze how visitors interact with our website, where visitors to our website arrive from and exit to, and gaining insights into the types of consumers that may be interested in our products and services.  We may also use information to develop inferences from the information we collect regarding consumer preferences, characteristics, predispositions, behaviors, and attitudes.

Operational Purposes:  Live.2.100, Inc. collects information for use for our operational purposes, and the operational purposes of our service providers and business partners.  For instance, Live.2.100, Inc. may use information for maintaining our websites and other infrastructure, training and quality assurance, for conducting surveys or sweepstakes, to promote our brand, and to use in connection with our relationships with service providers and business partners.


Communications: We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that support the Roth Conversions we design.  We also rely on our network of licensed financial experts ("experts") to assist you in reading and understanding our designs, these experts have limited access to your contact information and must initiate all contacts from our secure portal.  We do not send your contact information to any third-parties.  

Sharing with Business Partners:  Live.2.100, Inc. collects information in order to provide business partners’ information in connection with consumers who have expressed interest in pursuing the strategies contained in our Roth Conversions. Live.2.100, Inc. does not provide financial products often contained in the Roth Conversions we design.

Financial Reporting:  Live.2.100, Inc. collects information for use in various types of financial reporting and other similar internal uses.  Examples of the types of financial reporting that Live.2.100, Inc. may use consumer information in connection with are internal budgets and projections, calculation of compensation, and reporting to investors.

Business Transfers: If Live.2.100, Inc. undertakes or is involved in any merger, acquisition, reorganization, sale of assets, bankruptcy, or insolvency event, then we may sell, transfer or share some or all of our assets, including information related to consumers in connection with the transaction or in contemplation of the transaction (such as conducting due diligence).  If such an event occurs, your information may be treated like any other Live.2.100, Inc. asset and sold, transferred, or shared with third parties, or used in ways not contemplated or permitted under this Privacy Policy. In this case, you will be notified via email and/or a prominent notice on our site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information. 

In addition to the purposes listed above, Live.2.100, Inc. may also use de-identified or aggregate data that is not capable of being linked to any individual consumer for additional purposes not listed above.

How We Share Consumer Information and Who We Share It With.

In this section of the Privacy Policy, we explain who we share consumer information with and under which circumstances we may do so. 

Service Providers: Live.2.100, Inc. may share information about consumers with Service Providers who assist us with completing our Roth Conversions as outlined in the “How We Use the Information We Collect About Consumers” section.  Those we share information with are not authorized to use the information for any other purpose other than providing services to Live.2.100, Inc. or to you.

Professionals (including Attorneys and other Professionals): Live.2.100, Inc. may share consumer information with the independent professionals that can be accessed through products such as our Roth Conversions and attorney-assisted products such as wills and trusts

Business Partners and Affiliates: Live.2.100, Inc. may share information with business partners and affiliates in limited circumstances.  These include:

·     If you express interest in an offer made by a business partner or affiliate, we may provide information about you in connection with the offer you have selected.  If you later decide to opt-out from allowing Live.2.100, Inc. to share your information with business partners and affiliates, you may do so by contacting Customer Care at or (866) 294-3232.  To the extent that Live.2.100, Inc. has already shared your information prior to your decision to opt-out, you may opt out from future marketing by contacting our business partners directly.

·     When you obtain or purchase a product from us that is bundled with a product offered by one of our business partners, we will share information about you with those business partners so that they can provide you with the product or services included with your purchase.  These companies are not authorized to use the information we share with them about you for their own marketing purposes without first asking for your permission.

Public Postings: Live.2.100, Inc. may publicly share information about consumers, such as by displaying the information on our website or having the information published in publicly available media, in a limited number of circumstances:

·     We may share information publicly when it is necessary in order to fulfill a product that has been purchased by a customer.  For example, in some states, fictitious business names, including the name and address of the business owner, must be published in a newspaper. 

·     We may display personal testimonials of satisfied customers received through email surveys on our website or other marketing.  If you wish to update or delete your testimonial, you can contact us at  

·     When consumers leave us reviews either on the or websites, or on other publicly available websites, we may display these customer reviews on theses websites.  If you provide a review that we display and wish to update or delete it, you can also contact us at  We will delete your review at your request or if, at our discretion, we choose not to update your review as requested.

Required by Law: Live.2.100, Inc. may disclose consumer information as required by law, such as in response to a subpoena, a lawful request by a public authority, including to meet national security or law enforcement requirements, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a legal request.

Related Parties: Live.2.100, Inc. may disclose consumer information with businesses controlling, controlled by, or under common control with Live.2.100, Inc. If Live.2.100, Inc. is merged, acquired, or sold, or if some or all of our assets or equity are transferred, we may disclose or transfer consumer data in connection with the associated transactions.

In addition to the circumstances listed above, Live.2.100, Inc. may also share de-identified or aggregate data that is not capable of being linked to any individual consumer with additional entities not listed above.

Opt-in: By agreeing to this Privacy Policy and Opting In, you hereby authorize Live.2.100, Inc., its Service Partners, Professionals, Business Partners, and Affiliates to contact you by email, phone, and SMS to assist in the design, review, and finalization of our Roth Conversions. Your information will not be sold or shared with anyone outside Live.2.100, Inc., its Service Partners, Professionals, Business Partners, and Affiliates.


Cookies: Cookies are files with small amounts of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.


Security: The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.


Changes To This Privacy Policy: This Privacy Policy is effective as of 1/1/2015 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

If you are agreeable to our privacy policy and wish to Opt-in to the Roth Conversion Process, simply click the link below to begin the Roth Conversion development process.

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