Financial & Investment Disclosures

Effective August 11, 2026

YARCalc provides planning estimates and educational analysis. It does not provide tax, legal, or investment advice. Projections are hypothetical and do not guarantee future outcomes.

Projections are estimates

Deterministic projections apply selected assumptions to one modeled path. Historical and stochastic analyses explore other paths but cannot predict future returns, inflation, taxes, healthcare costs, longevity, market conditions, or personal circumstances. A probability, percentile, score, ranking, or “recommended” label is a model output within the stated comparison—not a promise of success or a professional recommendation.

Inputs and assumptions matter

Results depend on the completeness and accuracy of household, account, income, spending, tax, price, benefit, and planning inputs. Reference data may become outdated, and simplified annual modeling may not capture transaction timing, partial years, every tax rule, or every product term. Review the assumptions and applicable report disclosures before relying on a result.

Investment information

Market, allocation, strategy, security, and implementation analysis is informational and may use delayed, periodic, modeled, or user-supplied data. YARCalc does not verify that an investment is available or suitable for you, provide executable quotes, monitor a brokerage account, or place transactions. Investments can lose value, and past performance does not guarantee future results.

Taxes, benefits, and other rules

Tax, Social Security, Medicare, financial-aid, insurance, estate, and similar calculations are planning approximations rather than filings, eligibility determinations, or professional advice. Rules and individual circumstances can change. Confirm material decisions with the relevant agency or a qualified professional.

Report-specific disclosures

Some analyses include more specific assumptions, limitations, data-quality notices, and disclosures. Those report-specific statements remain part of the result and should be read together with this page.

Questions

For questions about how YARCalc presents an analysis, email [email protected]. Support cannot provide individualized legal, tax, or investment advice.