The advice provided on this website is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.

The Information is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information provided is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice.

You understand that you are using any and all Information available this website or any downloaded products or spreadsheets AT YOUR OWN RISK.

The spreadsheets and applications provide you with general information only and does not give you advice on how to invest or manage your money.

The calculations about the likelihood of various outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The output of the retirement calculator (RetireBase and Cash Flow Retire in FinanceBase) may vary with each use and over time.

The spreadsheets and applications do not consider specific assets held by you and do not therefore attempt to predict the future value of any specific assets. The applications provide analysis based on your input and makes additional calculations as detailed in RetireBase Calculations on the disclaimer page in the applications.

The spreadsheets and applications are provided with the understanding that the application provider is not engaged in rendering legal, financial, accounting, tax or other professional services. If legal or other expert assistance is required, the services of a competent professional should be sought.

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