Disclaimer & Terms of Use

RetirementCheck101™ is a free educational resource. Please read this disclaimer carefully before using this site or its retirement education tool.

1. Educational content only — not investment, tax, legal, or accounting advice

All content on RetirementCheck101 — including articles in the Retirement Library, the on-screen retirement education tool, any downloadable PDF report, on-page calculations, charts, projections, and suggested next steps — is provided for general informational and educational purposes only. It is based on publicly available rules from the Internal Revenue Code, Treasury regulations, IRS publications, Social Security Administration guidance, and other primary government sources as of 2025.

Nothing on this site is, or should be construed as:

• investment advice or a recommendation to buy, sell, hold, or allocate any security, fund, insurance product, annuity, or other investment;
• tax advice or a tax opinion regarding any specific transaction, return position, election, or reporting requirement;
• legal advice or an opinion on the meaning or application of any statute, regulation, or court decision to any specific situation;
• accounting advice or guidance regarding bookkeeping, financial-statement preparation, or audit procedures; or
• an offer or solicitation to provide any of the foregoing services.

2. No fiduciary, advisory, or professional relationship is created

Using this site, completing the retirement education tool, downloading a PDF report, creating an account, saving a plan, or otherwise interacting with RetirementCheck101 does not create an investment-adviser/client, broker-dealer/customer, attorney-client, accountant-client, fiduciary, or any other professional relationship between you and RetirementCheck101, its owners, employees, contractors, or affiliates.

RetirementCheck101 is not registered as an investment adviser with the U.S. Securities and Exchange Commission, with the Financial Industry Regulatory Authority (FINRA), or with any state securities regulator. We are not a registered broker-dealer, certified public accountant, enrolled agent, attorney, or insurance agent. We do not hold ourselves out as any of the foregoing, and nothing on this site should be interpreted as personalized investment, tax, legal, or financial planning advice.

3. Hypothetical and illustrative projections only

Every example, calculation, contribution slider, wealth-accumulation chart, retirement-income chart, projected balance, tax-savings estimate, and similar figure presented on this site or in any PDF report is hypothetical and for illustration only. It is not a prediction, guarantee, or recommendation of any future result, account balance, investment return, tax outcome, or course of action.

Projections rely on simplified assumptions you provide (such as years to retirement, contribution amounts, and broad risk-profile categories) and on simple compound-growth formulas using a blended equity/bond rate. They do not reflect actual investments, actual market conditions, fees, taxes paid, inflation, behavioral factors, sequence-of-returns risk, or any other real-world variable. Actual results will differ — often materially.

No content on this site constitutes a performance presentation, performance prediction, hypothetical performance, predecessor performance, or extracted performance under Rule 206(4)-1 of the Investment Advisers Act of 1940 (the “Marketing Rule”), because we are not an investment adviser and we do not present the historical or projected investment performance of any portfolio, model, account, fund, or strategy.

4. No testimonials, endorsements, or third-party ratings

RetirementCheck101 does not publish client testimonials, endorsements, or third-party ratings on this site. If any user-supplied content is added in the future, it will be clearly identified and accompanied by the disclosures required by applicable law.

5. Tax laws and IRS limits change

The Internal Revenue Code, Treasury regulations, IRS contribution limits, income thresholds, Social Security rules, Medicare rules, and state tax laws are revised regularly — sometimes mid-year and sometimes retroactively. Although we update content based on primary sources, we make no representation that any article, limit, threshold, or calculation on this site is current, complete, or applicable to your situation on the date you read it.

6. Consult a licensed professional before acting

Before making any decision based on information you encounter on this site — including but not limited to opening or closing a retirement account, changing contribution amounts, executing a Roth conversion or backdoor Roth, rolling over a 401(k), claiming Social Security, enrolling in or changing Medicare coverage, executing or amending estate documents, restructuring a business, or making any investment — consult a licensed tax advisor, attorney, CPA, enrolled agent, or registered financial professional who can evaluate your full facts and circumstances.

7. No warranty; limitation of liability

All content is provided “as is” without warranty of any kind, express or implied, including without limitation warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. To the maximum extent permitted by law, RetirementCheck101 and its owners, employees, contractors, and affiliates disclaim all liability for any loss or damage — direct, indirect, incidental, consequential, or otherwise — arising from your use of, or reliance on, anything on this site.

8. Third-party links and citations

Articles cite primary sources hosted by the IRS, the U.S. Government Publishing Office, Cornell Law School’s Legal Information Institute, the Social Security Administration, the Centers for Medicare & Medicaid Services, the Department of Labor, and similar third parties. RetirementCheck101 does not control these sites and is not responsible for their content or for any changes to their content after publication.

9. Privacy and account data

If you create an account, your email and the answers you save to the retirement education tool are stored in our database so that you can return and resume your session. We do not sell user data. We may use anonymized, aggregated usage data to improve the site.

10. Changes to this disclaimer

We may update this disclaimer at any time. The current version always lives at /disclaimer.html. Your continued use of this site after a change constitutes acceptance of the updated terms.

If you have questions about this disclaimer, please contact us through the RetirementCheck101 website. Last updated: 2025.