Notice to Reader Disclaimer & Terms
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Disclaimer & Terms of Use

The calculators, written articles, videos, and related content published by the author — whether on this site, on Substack, on YouTube, or on any associated channel — are made available for general educational and illustrative purposes only. By using them, you acknowledge and agree to the following terms.

Last updated · May 2026
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I — Advice

Educational use only; no client relationship

The calculators, articles, videos, and related content are published solely for educational and illustrative purposes. Nothing herein constitutes financial, investment, tax, legal, accounting, or other professional advice, nor a recommendation, solicitation, or offer to buy or sell any security, product, or service.

No accountant-client, planner-client, advisory, or fiduciary relationship is created by your use of this content. The author does not accept clients or engagements through this site or related channels and is not engaged to advise you on your individual circumstances. Any reference to professional credentials, affiliations, or titles is for identification purposes only and does not establish any professional, advisory, or fiduciary relationship with readers or viewers.

II — Warranty

Provided on an “as-is” basis

All calculators, tools, and content are provided “as is” and “as available,” without warranty of any kind, whether express, implied, or statutory, including but not limited to warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, or non-infringement. While reasonable efforts are made to ensure the formulas are correct, no representation is made that the results are free from errors, omissions, or outdated assumptions.

III — Output

Estimates only

Output is generated from the inputs you supply and simplified mathematical assumptions. Real-world outcomes depend on many variables not captured here — including fees, commissions, taxes, inflation, interest rate changes, market volatility, credit conditions, and changes in applicable laws and regulations. Past performance assumptions, where used, are not indicative of future results.

IV — Use

Your responsibility

Do not rely on these tools as the basis for any financial decision. You are solely responsible for any actions you take, and you should independently verify all results and consult a qualified, licensed professional regarding your specific circumstances before making any financial, investment, tax, or legal decision.

V — Liability

Limitation of liability

To the maximum extent permitted by applicable law, the author shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, savings, data, or goodwill, arising out of or in connection with your use of, or inability to use, any calculator, article, video, or other content published on this site or any associated channel, even if advised of the possibility of such damages.

VI — Maintenance

No updates guaranteed

Tax rates, interest rates, contribution limits, regulatory thresholds, and other figures may change. There is no obligation to update any calculator or content to reflect current law, rates, or market conditions.

VII — References

Third-party content

Any references to third-party products, services, or websites are for informational purposes only and do not constitute endorsement.

VIII — Jurisdiction

Governing law

These terms are governed by the laws of the State of Wisconsin, United States, without regard to conflict-of-laws principles.

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If you do not agree with any part of this disclaimer, please do not use the calculators, articles, videos, or other content published by the author.