Effective date: April 23, 2026
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Every individual's financial situation is unique. Before making any significant financial decision — including retirement planning, investment allocations, debt payoff strategies, tax planning, or education savings — you should consult a qualified, licensed professional who understands your complete situation.
All outputs generated by the Site are estimates based on the inputs you provide and a set of simplifying assumptions about returns, inflation, taxes, and future circumstances. Actual results will differ — often significantly. Past investment performance never guarantees future returns. Market benchmarks (S&P 500, NASDAQ, REITs, bonds, etc.) shown as historical averages are not predictions; any given decade can depart substantially from the long-term average.
Federal and state tax rates, brackets, Social Security thresholds, and similar values are based on publicly available information as of a specific date and may be outdated or simplified. The Site does not attempt to model every tax rule (AMT, Net Investment Income Tax, Medicare IRMAA, Required Minimum Distributions, state-specific retirement exemptions beyond flat rates, etc.). For precise tax calculations, consult a CPA or tax attorney.
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