Disclaimer

{"short_disclaimer":"This is educational information only and not personalized financial, tax, or legal advice. Results are hypothetical illustrations based on assumptions and may not reflect actual outcomes. Consult a qualified financial advisor, tax professional, or attorney for advice tailored to your situation.","full_disclaimer":"EDUCATIONAL TOOL DISCLOSURE\n\nRetireLab is an educational retirement planning tool classified under Department of Labor Interpretive Bulletin 96-1 Category 4 (Interactive Investment Materials). This tool provides generic information, hypothetical scenarios, and what-if analysis to help you learn about retirement planning concepts.\n\nNOT PERSONALIZED ADVICE: This tool does NOT provide personalized financial, investment, tax, or legal advice. All results are hypothetical illustrations based on assumptions you provide and generic market models. Actual results will vary and may differ significantly.\n\nNO FIDUCIARY RELATIONSHIP: Use of this tool does not create a fiduciary, advisory, or professional relationship. We do not act as your investment adviser, financial planner, tax advisor, or attorney.\n\nLIMITATIONS: Monte Carlo simulations use historical market data and statistical models that may not predict future results. Portfolio examples are generic allocations, not recommendations. Tax implications, fees, inflation adjustments, and individual circumstances are not fully accounted for.\n\nPROFESSIONAL ADVICE REQUIRED: Before making financial decisions, consult qualified professionals including: (1) a registered investment adviser or financial planner for investment advice, (2) a CPA or tax attorney for tax implications, (3) an estate planning attorney for legal matters, and (4) insurance professionals for risk management.\n\nBy using this tool, you acknowledge that you understand these limitations and will seek appropriate professional advice before making financial decisions.","regulatory_classification":"DOL Interpretive Bulletin 96-1 Category 4: Interactive Investment Materials (Educational Tool - Not Investment Advice)","what_this_is":["Educational retirement planning simulator","Generic Monte Carlo projection tool","Example portfolio allocation models","What-if scenario analysis","Hypothetical outcome illustrations","Retirement planning concept explanations"],"what_this_is_not":["Personalized financial advice or recommendations","Investment advice or specific fund recommendations","Tax planning or tax advice","Legal advice or estate planning","Fiduciary investment management","Guaranteed predictions or promises of returns"],"when_to_consult_professional":["Before making any investment decisions","When selecting specific funds or securities","For tax-efficient withdrawal strategies","When planning estate transfers or trusts","For Social Security claiming strategies","When evaluating insurance needs","For complex financial situations (business ownership, inheritances, etc.)","Anytime you need advice tailored to your specific situation"]}