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Disclaimer

Last Updated: January 9, 2026

1. Not Professional Advice

1.1 Not a Financial Advisor

Cadvisor Consulting LLC is NOT:

• A registered investment advisor (RIA) with the SEC or any state securities regulator
• A certified financial planner (CFP)
• A broker-dealer or securities exchange
• A licensed financial advisor or financial consultant
• A registered tax advisor or certified public accountant (CPA)
• A licensed attorney or legal advisor

We do not offer personalized financial advice, investment recommendations, tax planning services, or legal counsel.

1.2 Educational Purpose Only

The content on Plan My Retire is designed to educate and inform visitors about general retirement planning concepts, strategies, and tools. It is NOT intended to:

• Serve as a substitute for professional financial, investment, or tax advice
• Provide recommendations specific to your individual situation
• Replace consultation with qualified professionals
• Constitute a fiduciary relationship between you and our company

2. Calculator and Tool Limitations

2.1 Estimates Only

Our retirement calculators, planning tools, and projections provide estimates based on assumptions. These tools:

• Use simplified models that cannot account for all variables affecting your retirement
• Rely on assumptions about future market returns, inflation, tax rates, and other factors
• Cannot predict future market performance, economic conditions, or personal circumstances
• May produce significantly different results with small changes in input variables
• Should be used as general planning guides, not precise predictions

2.2 No Guarantee of Accuracy

While we strive for accuracy, we make NO WARRANTIES OR GUARANTEES regarding:

• The accuracy, completeness, or reliability of any calculations
• The suitability of any strategy or approach for your situation
• The achievement of any projected retirement goals or outcomes
• The performance of any investment strategy mentioned on our website

Our calculators may contain errors, bugs, or limitations. You should verify all calculations with qualified professionals.

2.3 Assumptions and Variables

All retirement projections depend on numerous assumptions that may not materialize, including:

• Investment Returns: Historical average returns do not guarantee future performance. Markets can experience prolonged downturns.
• Inflation: Future inflation rates are unpredictable and can vary significantly from historical averages.
• Tax Laws: Tax rates, brackets, and retirement account rules can change, affecting your retirement savings and withdrawals.
• Life Expectancy: Actual longevity may differ from actuarial tables.
• Healthcare Costs: Medical expenses can be unpredictable and may exceed projections.
• Personal Circumstances: Job loss, disability, family changes, and other life events can impact retirement plans.

3. Investment and Financial Risk

3.1 Market Risks

Investment values fluctuate based on market conditions. You could lose some or all of your invested capital. Factors that affect investment performance include:

• Stock market volatility and bear markets
• Interest rate changes
• Economic recessions or depressions
• Inflation or deflation
• Geopolitical events and crises
• Company-specific risks (for individual stocks)

3.2 Past Performance

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Historical investment returns, whether shown in examples, case studies, or calculator assumptions, do not guarantee future performance. Markets can experience extended periods of poor performance.

3.3 Retirement Income Risk

Retirement planning involves the risk that:

• You may outlive your savings (longevity risk)
• Your portfolio may not generate sufficient income
• Inflation may erode purchasing power
• Healthcare costs may exceed projections
• Required minimum distributions (RMDs) may not align with your needs
• Sequence of returns risk may impact early retirees

4. Tax Considerations

4.1 Not Tax Advice

Information about tax-advantaged retirement accounts, withdrawal strategies, Roth conversions, tax brackets, or other tax-related topics is NOT TAX ADVICE. Tax laws are complex and subject to change. We are not tax advisors.

4.2 Consult Tax Professionals

You should consult with a qualified tax professional (CPA, enrolled agent, or tax attorney) regarding:

• Tax implications of retirement account contributions and withdrawals
• Roth IRA conversions and backdoor Roth strategies
• Required minimum distributions (RMDs)
• Tax treatment of Social Security benefits
• State and local tax considerations
• Estate planning and tax implications

5. No Fiduciary Relationship

Use of this website does NOT create a fiduciary, advisory, or professional relationship between you and Cadvisor Consulting LLC. We have no duty to:

• Act in your best interest regarding financial decisions
• Provide personalized recommendations
• Monitor your financial situation or retirement progress
• Update you on changes in laws, markets, or strategies
• Warn you of risks specific to your situation

6. Third-Party Information

6.1 External Links

Our website may link to third-party websites, articles, tools, or resources. We do not endorse, control, or assume responsibility for third-party content. Use of external resources is at your own risk.

6.2 Data Sources

While we use reputable data sources for market statistics, historical returns, and other information, we cannot guarantee the accuracy of third-party data. Data may be outdated, incomplete, or incorrect.

7. Case Studies and Examples

Any case studies, examples, or hypothetical scenarios presented on this website are for illustrative purposes only. They:

• Do not represent actual client experiences or guaranteed outcomes
• May not reflect all relevant costs, taxes, or fees
• Assume ideal conditions that may not occur in reality
• Should not be interpreted as achievable results for you

Your results will differ based on your unique circumstances, market conditions, and timing.

8. Personal Responsibility

9. Changes and Updates

Financial markets, tax laws, retirement account rules, and economic conditions change frequently. Information on this website:

• May become outdated without notice
• Is not continuously updated to reflect all changes
• Should be verified against current laws and regulations

We have no obligation to update content or notify you of changes affecting the information provided.

10. No Guarantees

We make NO GUARANTEES that:

• You will achieve your retirement goals using our tools or information
• Any particular strategy or approach will be successful
• Our calculators will produce accurate projections
• Following advice found on our website will lead to financial success
• You will be able to retire early or achieve financial independence

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Cadvisor Consulting LLC and its owners, employees, and affiliates shall NOT be liable for any losses, damages, or negative outcomes resulting from:

• Use of information, tools, or calculators on this website
• Reliance on projections, estimates, or recommendations
• Financial decisions made based on content found on this website
• Inadequate retirement savings or investment losses
• Errors, omissions, or inaccuracies in our content
• Changes in laws, markets, or personal circumstances

See our Terms of Service for complete liability limitations.

12. Consult Qualified Professionals

13. Affiliate Relationships and Compensation

Plan My Retire may contain affiliate links or relationships with third-party services. We may receive compensation if you sign up for services or products through our links. This does not affect the information we provide, but you should be aware of potential conflicts of interest.

14. Geographic Limitations

Information on this website is primarily intended for residents of the United States and may not be applicable or suitable for residents of other countries. Tax laws, retirement account rules, and regulations vary by jurisdiction.

15. Individual Circumstances Vary

Every person's financial situation is unique. Factors that may affect your retirement planning include:

• Age and current savings
• Income and employment stability
• Risk tolerance and investment preferences
• Health and life expectancy
• Family situation and dependents
• Existing debts and obligations
• Pension or Social Security benefits
• Geographic location and cost of living

Generic information cannot account for your specific circumstances.

16. Contact Us

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

Cadvisor Consulting LLC
Plan My Retire
State of Michigan
Email: cadvisorconsulting@gmail.com

17. Acceptance

BY USING THIS WEBSITE, YOU ACKNOWLEDGE AND AGREE THAT:

• You have read and understood this Disclaimer
• You understand the limitations of the information and tools provided
• You will not rely solely on this website for financial decisions
• You accept full responsibility for your financial and retirement planning decisions
• You will consult with qualified professionals before making important decisions
• You understand that Cadvisor Consulting LLC is not liable for your financial outcomes