AdvisorCalc Financial Calculator Disclaimer

AdvisorCalc does not provide financial, investment, tax, legal, accounting, actuarial, insurance, retirement-planning, estate-planning, or other professional advice.

AdvisorCalc is not acting as your:

• Financial adviser;
• Investment adviser;
• Broker-dealer;
• Fiduciary;
• Accountant;
• Attorney;
• Tax preparer;
• Insurance producer; or
• Other professional adviser.

Use of AdvisorCalc does not create a professional-client, advisory, fiduciary, or similar relationship.

Calculator outputs are estimates based on:

• Information entered by the user;
• Assumptions selected by the user;
• Mathematical formulas;
• Programmed logic;
• Governmental or third-party source information; and
• Generalized rules that may not account for every relevant circumstance.

Results are not guarantees, promises, predictions, recommendations, or assurances of future performance or outcomes.

Actual results may differ materially.

Calculator outputs depend on the completeness and accuracy of user-provided inputs.

AdvisorCalc does not independently verify:

• User inputs;
• Assumptions;
• Eligibility;
• Client circumstances;
• Tax status;
• Legal status;
• Investment characteristics;
• Financial records; or
• Other underlying facts.

Incorrect, incomplete, outdated, or unsuitable inputs may produce incorrect or misleading results.

The user is responsible for reviewing every input and assumption.

Some calculators may use information derived from sources such as:

• The Internal Revenue Service;
• The Bureau of Labor Statistics;
• Other federal or state agencies;
• Published tax thresholds;
• Contribution limits;
• Economic data;
• Financial assumptions;
• Mortality or actuarial information; or
• Other third-party sources.

AdvisorCalc may update time-sensitive values manually.

Laws, regulations, agency interpretations, tax limits, benefit rules, economic data, and other source information can change at any time.

AdvisorCalc does not guarantee that a calculator reflects:

• The most recent law;
• The latest regulation or agency guidance;
• The current tax year;
• The latest contribution or benefit limit;
• The latest available economic data;
• Every applicable jurisdiction; or
• Every exception, phase-out, special rule, or individual circumstance.

Users must confirm the applicable year, rules, thresholds, sources, formulas, and assumptions independently.

AdvisorCalc does not determine whether:

• A calculation is appropriate for a particular person;
• A strategy is suitable;
• A recommendation is in a person’s best interest;
• A person is eligible for a tax, retirement, insurance, or financial treatment;
• A transaction complies with law; or
• A calculator addresses all relevant risks and circumstances.

Calculator results should not be used as the sole basis for a financial or other material decision.

Financial advisers and other professionals using AdvisorCalc remain solely responsible for their professional services.

This includes responsibility for:

• Understanding the calculator used;
• Confirming that it is appropriate for the relevant purpose;
• Reviewing all inputs and assumptions;
• Independently verifying every result;
• Explaining relevant limitations to clients;
• Evaluating the client’s complete circumstances;
• Exercising independent professional judgment;
• Providing required disclosures;
• Maintaining required books and records;
• Supervising communications and recommendations; and
• Complying with applicable fiduciary, regulatory, licensing, advertising, professional, and ethical obligations.

Use of AdvisorCalc does not transfer any professional duty or legal responsibility to AdvisorCalc.

AdvisorCalc has not reviewed or approved any user’s advice, recommendation, presentation, communication, or client deliverable.

Individuals using AdvisorCalc for their own personal purposes should consult appropriately qualified professionals before making financial, tax, investment, retirement, insurance, estate-planning, or legal decisions.

The calculators do not consider all facts that may be relevant to an individual’s situation.

Any investment-return, growth, inflation, interest-rate, volatility, or market assumption is hypothetical unless expressly stated otherwise.

Hypothetical results:

• Do not represent actual investment performance;
• Do not reflect all fees, taxes, expenses, losses, or market conditions unless specifically included;
• May be affected significantly by changes in assumptions;
• May not reflect the sequence or timing of actual returns; and
• Are not guarantees of future results.

Past performance, where referenced, does not guarantee future performance.

Tax-related calculators provide simplified estimates and do not constitute tax advice.

Tax outcomes may depend on factors not included in a calculator, such as:

• Filing status;
• State and local law;
• Deductions;
• Credits;
• Phase-outs;
• Alternative tax systems;
• Income characterization;
• Holding periods;
• Entity structure;
• Elections;
• Prior transactions;
• Changes in law; and
• Individual facts.

Users should consult a qualified tax professional and appropriate official sources.

Calculators involving retirement accounts, Social Security, required minimum distributions, contribution limits, pensions, or government benefits may rely on generalized rules and assumptions.

Actual eligibility and benefits may depend on official records, elections, employment history, marital history, age, account type, legislative changes, agency interpretations, and other factors.

Users should verify results with the relevant plan administrator, custodian, government agency, or qualified professional.

Insurance, mortality, actuarial, and life-expectancy calculations are estimates based on generalized assumptions or data.

They do not predict an individual’s lifespan, health, insurability, premiums, policy performance, or claim outcome.

Actual insurance terms are controlled by the applicable policy and insurer.

AdvisorCalc is not affiliated with, endorsed by, or sponsored by the Internal Revenue Service, Bureau of Labor Statistics, Social Security Administration, Department of Labor, Securities and Exchange Commission, Financial Industry Regulatory Authority, or any other government agency or regulatory body unless expressly stated.

References to an agency or publication identify a potential source of information and do not imply endorsement.

Before relying on or communicating a calculator result, users should verify it through appropriate means, which may include:

• Recalculating the result;
• Reviewing the underlying formula;
• Checking official publications;
• Confirming the applicable year;
• Consulting another reliable source;
• Using approved professional software; or
• Consulting an appropriately qualified professional.

If a result appears unexpected, inconsistent, incomplete, or unusually favorable or unfavorable, do not rely on it without further review.

AdvisorCalc attempts to provide useful tools but does not guarantee that:

• Any calculator is error-free;
• Any formula is correctly implemented;
• Any output is complete or accurate;
• Any source is current;
• Every relevant circumstance is included;
• The Service will always be available; or
• A calculator will remain unchanged.

Calculators and their underlying assumptions may be corrected, updated, modified, replaced, or removed at any time.

AdvisorCalc is not intended for:

• Emergency decisions;
• Immediate life-safety decisions;
• Automated execution of financial transactions;
• Use as the sole basis for regulated advice;
• Use without professional review where professional review is appropriate; or
• Any purpose for which an error could reasonably be expected to cause death, personal injury, or severe physical harm.

By using an AdvisorCalc calculator, you acknowledge that:

• You understand the calculator’s limitations;
• You are responsible for inputs and assumptions;
• You will independently verify results;
• You will not treat outputs as professional advice or guaranteed outcomes; and
• Your use is also governed by the AdvisorCalc Terms of Service and Privacy Policy.

Questions about this Disclaimer may be sent to:

• AdvisorCalc
• Operated by Howard Jay Cranford
• 11959 Nicholson Drive, Apartment 17306
• Baton Rouge, Louisiana 70810
• United States
• Email: admin@advisorcalc.com
• Website: advisorcalc.com