AI & Financial Disclaimer

Effective Date: April 9, 2026

1. AI-Powered Tools Disclaimer

The RetireStack Retirement Readiness Calculator and other tools on this website use mathematical models and standard financial formulas to generate illustrative projections. These tools do not use artificial intelligence predictions, machine learning forecasting, or algorithmic trading models to generate their outputs.

The calculator applies widely used retirement planning formulas, including compound interest calculations, the 4% safe withdrawal rate guideline, and standard savings growth projections. The outputs are simplified estimates designed to provide a starting point for retirement planning conversations — they are not precise predictions of your financial future.

2. Not Financial Advice

All content provided through RetireStack — including calculator results, newsletter articles, guides, and any other materials — is for informational and illustrative purposes only. This content:

• Does not constitute personalized financial, investment, tax, legal, or retirement planning advice.
• Should not be relied upon as the sole basis for making any financial decisions.
• Is not a substitute for professional advice tailored to your individual circumstances.
• Does not take into account your complete financial situation, goals, risk tolerance, or personal needs.

3. No Fiduciary Relationship

RetireStack is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or licensed financial professional. No fiduciary relationship is created between RetireStack and any user of the Service. We do not owe you a fiduciary duty, and we are not obligated to act in your best financial interest.

Your use of our tools and content does not create a client-advisor relationship, and we are not responsible for any financial decisions you make based on information obtained through the Service.

4. Accuracy Limitations

The Retirement Readiness Calculator and other tools make the following simplifying assumptions that may not reflect your actual experience:

• 6% annual investment growth rate — Actual market returns vary significantly from year to year and may be substantially higher or lower. Past performance does not guarantee future results.
• 4% annual withdrawal rate — The "4% rule" is a commonly referenced guideline based on historical data, but it is not guaranteed to be safe in all market conditions or over all time horizons.
• 15% savings rate — The calculator assumes you save 15% of your annual income. Your actual savings rate may differ.
• No inflation adjustment — Calculator outputs are presented in today's dollars and do not account for the eroding effect of inflation on purchasing power over time.
• No tax considerations — The calculator does not account for federal, state, or local income taxes, capital gains taxes, or the tax treatment of different account types (e.g., traditional vs. Roth).
• Simplified healthcare costs — The calculator does not separately model healthcare expenses, which often increase significantly in retirement and can vary widely based on your health, coverage choices, and location.

Actual investment returns, inflation rates, tax laws, Social Security benefits, healthcare costs, and life expectancy are inherently unpredictable and may differ materially from the assumptions used in our tools.

5. Social Security and Pension Estimates

The Social Security benefit amounts and pension income figures used in our calculator are user-provided inputs, not verified data. RetireStack does not access, verify, or validate your Social Security records, pension plan documents, or any other government or employer benefit information.

For accurate Social Security benefit estimates, visit the official Social Security Administration website at ssa.gov/myaccount. For pension estimates, contact your employer's human resources department or plan administrator directly.

6. Consult Qualified Professionals

Retirement planning involves complex financial, tax, legal, and personal considerations. Before making any retirement-related decisions, we strongly recommend consulting with:

• A licensed financial advisor or certified financial planner (CFP) — for personalized retirement income planning, investment strategy, and asset allocation.
• A tax professional (CPA or enrolled agent) — for tax-efficient withdrawal strategies, Roth conversion analysis, and understanding the tax implications of your retirement decisions.
• An estate planning attorney — for wills, trusts, beneficiary designations, and estate tax planning.
• A Medicare/insurance specialist — for healthcare coverage decisions in retirement.

7. Third-Party Content

The Retire Stack newsletter and website may curate, reference, or link to information from various third-party sources, including news outlets, government agencies, research institutions, and other financial education providers. RetireStack:

• Does not guarantee the accuracy, completeness, or timeliness of any third-party content.
• Does not endorse any third-party products, services, or investment strategies referenced in our content.
• Is not responsible for the content, opinions, or recommendations of third-party sources.
• Encourages you to independently verify any information before acting on it.

8. No Guarantees

RetireStack makes no guarantees, representations, or warranties regarding:

• The accuracy or reliability of calculator outputs or any other content.
• The achievement of any specific financial outcome based on our tools or content.
• The suitability of any information for your particular financial situation.
• The continued availability of the Service or any of its features.

Past performance of any investment strategy, financial model, or market index is not indicative of future results. All investments involve risk, including the possible loss of principal.

9. Limitation of Liability

To the fullest extent permitted by applicable law, RetireStack shall not be liable for any financial losses, damages, or adverse outcomes resulting from your use of or reliance on our tools, calculator outputs, newsletter content, or any other materials provided through the Service. You acknowledge that you use the Service at your own risk and that you are solely responsible for your financial decisions.

10. Contact Information

If you have any questions about this Disclaimer, please contact us at:

Email: hello@retirestack.ai