Disclaimer

Educational and Informational Purposes Only

The financial calculators, tools, information, and content provided on this website (ronbelisle.com) are for educational and informational purposes only. They are designed to help you explore different financial planning scenarios and understand general concepts related to retirement planning, Social Security, taxes, and investments.

These calculators are not intended to provide personalized financial, investment, tax, legal, or accounting advice specific to your individual circumstances.

No Professional Advice

Ron Belisle is not a licensed financial advisor, certified public accountant, attorney, or investment professional. Nothing on this website should be construed as:

• Financial planning or investment advice
• Tax preparation or tax advice
• Legal advice or legal counsel
• Recommendations to buy, sell, or hold any investment
• Personalized advice for your specific situation

Always consult with qualified professionals (financial advisors, CPAs, attorneys, etc.) before making important financial decisions.

No Warranties or Guarantees

While every effort has been made to ensure the accuracy of the calculators and information provided, this website makes no warranties or guarantees regarding:

• The accuracy, completeness, or reliability of calculation results
• The suitability of any calculator for your particular needs
• The timeliness or currency of tax laws, Social Security rules, or other regulations
• Freedom from errors, bugs, or technical issues

All calculators are provided "as is" without warranty of any kind, either express or implied.

Estimates and Assumptions

Calculator results are estimates based on assumptions about future conditions, including but not limited to:

• Future investment returns and market performance
• Future tax laws and tax brackets
• Future Social Security rules and benefits
• Inflation rates and cost of living adjustments
• Your personal circumstances remaining constant

Your actual results will vary based on real-world conditions, which may differ significantly from the assumptions used in these calculators.

Individual Circumstances Vary

Every person's financial situation is unique. Factors that may affect your results include but are not limited to:

• Your complete financial picture (assets, debts, income, expenses)
• Your specific tax situation and filing status
• State and local tax laws in your jurisdiction
• Your age, health, life expectancy, and family situation
• Your risk tolerance and investment objectives
• Special circumstances not captured by calculator inputs

Tax and Social Security Complexity

Tax laws and Social Security regulations are extremely complex and subject to frequent changes. The calculators on this site use simplified models and may not account for:

• All possible tax deductions, credits, or phase-outs
• State and local income taxes
• Alternative Minimum Tax (AMT) implications
• Net Investment Income Tax (NIIT)
• Medicare premium surcharges (IRMAA) in all scenarios
• Spousal coordination strategies for Social Security
• Recent changes to tax law or Social Security rules

Limitation of Liability

To the maximum extent permitted by law, Ron Belisle and this website shall not be liable for any damages whatsoever (including, without limitation, direct, indirect, incidental, consequential, or punitive damages) arising out of:

• Your use or inability to use these calculators
• Any errors, inaccuracies, or omissions in calculator results
• Financial decisions made based on calculator results
• Any reliance you place on the information provided
• Technical failures or interruptions of service

Your Responsibility

You are solely responsible for:

• Verifying all calculator inputs and results
• Ensuring the calculators are appropriate for your situation
• Seeking professional advice before making financial decisions
• Understanding the limitations of these tools
• Any actions you take based on calculator results

Changes and Updates

This website reserves the right to:

• Modify, update, or discontinue any calculator at any time
• Change calculation formulas or assumptions without notice
• Update this disclaimer without prior notification

Your continued use of the website after changes constitutes acceptance of those changes.

External Links

This website may contain links to external websites. We are not responsible for the content, accuracy, or privacy practices of any linked sites. Links do not constitute endorsement of those sites or their content.

Data Privacy

Calculator inputs you enter are processed locally in your browser when possible. For premium features, some data may be stored on our servers to provide save/load functionality. We do not sell your personal information to third parties. See our Privacy Policy for more details.

Premium Features

Premium subscription features (scenario saving, PDF exports, advanced projections) are provided subject to this same disclaimer. Premium membership does not create a professional advisory relationship and does not constitute personalized advice.

Questions or Concerns?

If you have questions about this disclaimer or the use of these calculators, please contact us through the information provided on our website.

Last Updated: February 2026