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Richard Trachtman, Ph.D., L.C.S.W is a money and relationships life coach, counselor and psychotherapist. He is not qualified to give advice on economics, investing or financial planning.


You should assume that everything you see or read on the website is protected by copyright and trademark laws and may not be used without a written permission of Dr. Richard Trachtman. Dr. Richard Trachtman neither warrants nor represents that your use of materials displayed on the website will not infringe rights of third parties not owned by or affiliated with Dr. Richard Trachtman.

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the website are registered and unregistered trademarks of Dr. Richard Trachtman and other companies. Nothing contained on the website should be construed as granting, by implication, or otherwise, any license or right to use any Trademark displayed on the website without a written permission of Dr. Richard Trachtman or such third party that may own the Trademarks displayed on the website. Your misuse of the Trademarks displayed on the website, or any other content on the website, is strictly prohibited.

All paintings and photographs on this website are the work of or the property of Dr. Richard Trachtman.

Images displayed on the website either are the work of or the property of Dr. Richard Trachtman, or used with permission. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, or communications regulations.

Privacy Policy

Dr. Richard Trachtman will never share, sell or disclose any visitor's personal information that is collected on this website. All personal information collected on this website by Dr. Richard Trachtman or his associates will be utilized EXCLUSIVELY for internal purposes or to enhance visitor enjoyment and experience. Dr. Richard Trachtman may also use e-mail addresses or other personally identifiable information to contact visitors who directly communicate with Dr. Richard Trachtman.

This website does not use "cookies". (A cookie is a piece of information that is transferred to a visitor's hard drive for record-keeping purposes.)

Your use and browsing of the website is at your risk. Everything on the website is provided to you "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Dr. Richard Trachtman also assumes no responsibility, and shall not be liable for any damages to your computer equipment or other property on account of your access to, and use of the website, or your downloading of any materials from the website.

Send your concerns regarding the copyright, privacy policy or website design to richardtrachtman@moneyworkandlove.com

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If you wish to have your name removed from the mailing list, or wish to notify me of a preferred e-mail address send a message to richardtrachtman@moneyworkandlove.com. You may also write to:
Dr. Richard Trachtman
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or call (212) 595-0449

Money And Relationships Q&A Advice Column

Dr. Richard Trachtman will attempt to answer all questions submitted directly to you or on this website (in section Money And Relationships Q&A Advice Column). Dr. Richard Trachtman reserves the right to decide which questions he will answer and/or post on this website.

By submitting a question or comment you are: indicating your willingness to have that question, comment, or a version edited by Dr. Trachtman, published on his blog; indicating that you will take full responsibility for disguising your personal identity, and; accepting total responsibility for deciding how to use or reject the advice offered. You further agree that you will not hold Dr. Richard Trachtman, moneyworkandlove.com or MORE Services for MOney and RElationships liable for how you use the advice offered in Dr. Trachtman's blog/personal advice column, Money and Relationships Q&A or the effects that publication of your question or his answer may have in your life or that of your acquaintances.

Limit question to 250 words and sign it only with a first name or pseudonym.

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