Last updated: November 2026
By using stevenmusmanno.com (“this website”), you agree to these terms. If you do not agree, please do not use the website.
Informational purpose
This website provides general information about Steven J. Musmanno and educational articles about retirement plans and investment management. It is not personalized advice. Please read the Important Disclosures, which form part of these terms.
No adviser-client relationship
Using this website, reading its content or contacting the office through it does not create an adviser-client relationship. Advisory services are provided only under a written agreement with APS Wealth Management, LLC.
Intellectual property
Text, photographs and design on this website belong to Steven J. Musmanno or are used with permission. You may share links to pages and quote brief excerpts with attribution. The official headshots and biographies in the media kit may be used to identify Steven J. Musmanno in news coverage, event listings and similar materials. Any other reproduction requires written permission.
No warranty
This website is provided “as is.” While care is taken to keep it accurate and available, there is no warranty that the content is complete, current or error-free, or that the website will always be available.
Limitation of liability
To the extent permitted by law, Steven J. Musmanno, APS Pension & Financial Services and their affiliates are not liable for any loss arising from use of, or reliance on, this website or linked websites.
Governing law
These terms are governed by the laws of the State of New York.
Changes
These terms may be updated from time to time. Continued use of the website after an update means you accept the revised terms.