Important information about the use of our website and financial tools.
Last updated: January 2025
The information provided on this website is for educational and informational purposes only and should not be considered as financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions.
Educational Purpose Only: All content on this website, including articles, calculators, examples, and recommendations, is provided solely for educational and informational purposes.
No Professional Relationship: Using our website does not create a financial advisor-client relationship. We are not licensed financial advisors, investment advisors, or financial planners.
Personalized Advice Required: Financial situations are highly individual. What works for one person may not be appropriate for another. Always seek personalized advice from qualified professionals.
Our COAST FIRE calculator provides estimates based on mathematical formulas and historical market data. These are projections, not guarantees.
Use as a Starting Point: Treat calculator results as a starting point for financial planning, not a definitive answer. Regular reassessment and professional guidance are essential.
All investments carry risk, including the potential for loss of principal. Understanding these risks is crucial for making informed decisions:
Stock and bond prices fluctuate based on market conditions, potentially resulting in losses.
Rising prices may reduce the purchasing power of your money over time.
Living longer than expected may require more retirement savings than planned.
Poor investment returns early in retirement can significantly impact long-term portfolio sustainability.
Past Performance Does Not Guarantee Future Results: Historical investment returns are used for illustration purposes only and do not predict future performance.
Before implementing any financial strategy, consult with qualified professionals:
Tax Laws Change: Tax regulations, rates, and rules change frequently and vary by individual circumstances and location.
Professional Tax Advice Required: Always consult with a qualified tax professional for advice specific to your situation.
While we strive to provide accurate and current information:
Your Responsibility: It is your responsibility to verify information and ensure it applies to your specific situation before making any financial decisions.
No Promises: We make no promises, guarantees, or warranties about the results you may achieve by following any information, strategies, or recommendations on our website.
Individual Results Vary: Your results will depend on many factors including your financial situation, market conditions, economic factors, and your ability to implement and stick to a financial plan.
Use at Your Own Risk: You use this website and its information at your own risk. We are not liable for any losses, damages, or negative consequences resulting from your use of our website or the information contained herein.
Financial Decisions: Any financial decisions you make are your sole responsibility. We strongly recommend consulting with qualified professionals before making any financial commitments.
This disclaimer may be updated from time to time to reflect changes in our practices or applicable laws. We encourage you to review this disclaimer periodically.
If you have questions about this disclaimer or our website, please contact us: