Disclaimer

1. Not Financial Advice

The information, tools, projections, and guidance provided by Retirement Buddy are for educational and informational purposes only. Nothing on our platform constitutes:

• Financial advice or recommendations
• Investment advice or portfolio management guidance
• Tax advice or tax planning recommendations
• Legal advice
• Insurance advice
• Estate planning advice

Retirement Buddy does not act as a financial advisor, investment advisor, tax advisor, or any other type of licensed professional advisor.

2. Consult Qualified Professionals

Before making any financial, investment, or tax decisions, you should consult with:

• Financial Advisors: For personalized financial planning and investment guidance
• Tax Professionals: For tax planning and filing advice
• Estate Planning Attorneys: For wills, trusts, and estate planning
• Insurance Agents: For life insurance and annuity decisions
• Social Security Administration: For official Social Security claiming strategies

Our tools can help you explore scenarios and ask better questions, but professional advisors provide the personalized recommendations you need for actual decision-making.

3. Educational Purpose Only

Retirement Buddy's purpose is to help you:

• Understand retirement planning concepts
• Explore different retirement scenarios
• Learn about budgeting, debt management, and financial planning basics
• Navigate the emotional aspects of retirement transitions
• Ask informed questions to financial professionals

We provide educational context and scenario modeling, not specific recommendations about what you should do with your money.

4. No Guarantee of Accuracy

While we strive for accuracy, Retirement Buddy makes no warranties or guarantees about:

• The accuracy, completeness, or timeliness of any information
• The reliability of projections or Monte Carlo simulations
• The suitability of any strategy for your specific circumstances
• Future market performance, returns, or economic conditions

Past performance does not guarantee future results. All financial projections are estimates based on assumptions that may not materialize.

5. Investment Risks

All investments carry risk. Retirement Buddy does not recommend specific investments or manage portfolios. You acknowledge that:

• Investment values can go down as well as up
• You may lose money, including your principal investment
• Past performance does not predict future results
• Market conditions can change rapidly and unpredictably
• Retirement projections are not guarantees

6. Assumptions and Limitations

Our retirement projections and Monte Carlo simulations are based on assumptions, including but not limited to:

• Expected rates of return
• Inflation rates
• Life expectancy estimates
• Healthcare cost projections
• Tax law assumptions
• Social Security benefit calculations

These assumptions may not reflect your actual experience. Your individual results will vary and may differ significantly from projections.

7. Tax Considerations

Retirement Buddy provides general information about tax implications but:

• We are NOT tax advisors or CPAs
• Tax laws change frequently and vary by jurisdiction
• Your individual tax situation is unique
• Tax-related projections are estimates only

Always consult a qualified tax professional (CPA or tax attorney) for tax advice specific to your situation.

8. Social Security Information

Information about Social Security benefits is based on publicly available rules and formulas. For official benefit estimates and claiming strategies, consult the Social Security Administration directly at ssa.gov or speak with a Social Security representative.

9. AI-Generated Content

Retirement Buddy uses artificial intelligence (AI) to provide conversational guidance and scenario analysis. You acknowledge that:

• AI responses are generated based on patterns and training data
• AI may occasionally produce inaccurate or incomplete information
• AI cannot replace human judgment or professional expertise
• You should verify important information with qualified professionals

10. No Fiduciary Relationship

Use of Retirement Buddy does not create a fiduciary relationship, advisory relationship, or any special relationship of trust or confidence between you and Retirement Buddy or its affiliates.

11. Third-Party Links

Our service may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, accuracy, or practices of these third-party sites.

12. Your Responsibility

By using Retirement Buddy, you agree that:

• You are solely responsible for your financial decisions
• You will seek professional advice before making important financial decisions
• You understand the limitations of our educational tools
• You accept all risks associated with your financial and investment decisions
• Retirement Buddy is not liable for any financial losses you may incur

13. No Guarantees

Retirement Buddy makes no guarantees about:

• The success of any retirement plan or strategy
• The accuracy of future projections
• Your ability to achieve retirement goals
• The performance of investments or portfolios
• The availability or interruption-free operation of our service

14. Regulatory Compliance

Retirement Buddy is not:

• A registered investment advisor (RIA)
• A broker-dealer
• Regulated by the SEC or FINRA
• An insurance company or agent

We are a software service providing educational tools and do not fall under financial services regulations that govern investment advisors or broker-dealers.

15. Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time. Continued use of the Service after changes constitutes acceptance of the modified Disclaimer.

16. Questions

If you have questions about this Disclaimer or need clarification, please contact us: