DISCLOSURES

Financial Life Check LLC (“Financial Life Check”) is an independent financial services firm helping people to learn about financial planning, to create financial plans for their specific situations, and to implement these plans through education, planning, and coaching services.  Financial Life Check LLC does NOT sell any financial products, manage money, accept referral fees, or have any other conflicts of interest working with its clients. 

The information and articles on www.financiallifecheck.com (the “Site”) are provided for informational and educational purposes only and no statement contained on the Site shall constitute investment, tax, or legal advice. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. You should seek advice on legal and tax questions from an independent attorney or tax advisor.

With regard to investing, it is important to note that investing involves risk and the value of your investments will fluctuate.  You may gain or lose money, including loss of principal and loss of purchasing power due to inflation.  No investment strategy can guarantee a profit or protect against loss in periods of declining values and past performance is not indicative of future returns.

 General Disclosures

The content on the Site is provided by Financial Life Check and the Site is hosted by Squarespace.  Nothing on the Site should be construed as a solicitation or offer, or recommendation, to buy or sell any security.  Services are offered by Financial Life Check either for an hourly or fixed fee, but the fee may be reduced or waived. 

Financial planning and coaching services are provided to people who become Financial Life Check clients (“Clients“) pursuant to a written letter of engagement, which clients are urged to read and carefully consider in determining whether such an agreement is suitable for their individual circumstances.  This letter will include the scope of the engagement and the associated fees. This is, however, not required for the initial complementary meeting or for pro-bono services.

Third Party Disclosures

This Site and articles provided on this site may contain third party data and links to other third-party websites, including links to the websites of companies that provide related information, products, and services. These external links are provided solely for the convenience of visitors to this Site, and the inclusion of such links does not necessarily imply an affiliation, sponsorship, or endorsement of those links. Financial Life Check does not endorse, approve, certify, or control these external Internet addresses and cannot guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or privacy policies of such addresses.  Third-party data is obtained from sources believed to be reliable but Financial Life Check cannot guarantee the accuracy, timeliness, completeness, or fitness of any third-party data. 

Life Insurance, Retirement, Education, and Investment Analysis Disclosures

Analysis and recommendations provided by Financial Life Check are intended to provide informational insights based on the data you provide, spreadsheet formulas, and third-party tools.  All analytical tools have limitations that you should understand as you consider how they will affect your decisions. 

Comparative analysis and Monte Carlo simulations are intended to illustrate hypothetical performance using either specific return and inflation assumptions or various allocation strategies based on a long-term historical asset class performance.  These are not meant to imply actual performance or results.  Much of the analysis does not include taxes or fees, which can have a material impact.  No representations, warranties, or guarantees are made as to the accuracy of any estimates or calculations and Financial Life Check is not liable for any damages or costs of any type arising out of or in any way connected with your decisions related to use of such analysis and simulations.

Fees

Fees, which will be included in the Engagement Letter, are based on an hourly rate or fixed fee and may vary for each Client. 

Trademarks

Third-party marks displayed are trademarks of their respective owners, and the use of such trademarks does not imply an association with those third-parties or an endorsement of any third-party goods or services.