Disclaimer

Not Financial Advice

All calculators, tools, articles, and content on TorchFI are provided for educational and informational purposes only. They are not financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

Results generated by our calculators are estimates based on the inputs you provide and publicly available historical data, academic research, and government sources. These results should not be the sole basis for any financial decision.

No Professional Relationship

Use of this website does not create a financial advisor-client relationship, fiduciary relationship, or any other professional relationship between you and TorchFI or any of its contributors, owners, or team members.

Always consult a qualified financial professional (such as a certified financial planner, tax advisor, or investment advisor) before making major financial decisions, including but not limited to:

• Retirement planning and withdrawals
• Investment allocation and strategy
• Tax planning and optimization
• Real estate or major asset purchases
• Estate planning
• Any action that could affect your financial well-being

No Guarantees

We make no guarantees, express or implied, about:

• The accuracy, completeness, or timeliness of any calculation, data point, or content on this site
• Future investment performance or market conditions
• The suitability of any financial strategy for your specific situation

Financial markets are inherently unpredictable. Past performance does not guarantee future results. Historical return data used in our calculators (including Monte Carlo simulations) is for illustrative purposes only and does not predict future outcomes.

Assumptions & Limitations

Our calculators rely on documented assumptions (see our Methodology page for details). Key limitations include:

• Default return assumptions (e.g., 7% real return) are based on historical averages and may not reflect future market conditions
• Inflation assumptions (3% default) may differ from actual inflation
• Tax calculations are simplified estimates and do not account for all individual circumstances
• Calculators do not model all possible life events (job loss, disability, inheritance, divorce, etc.)

Tax & Legal Specificity

Tax treatment depends on your individual circumstances and jurisdiction. Tax laws, contribution limits, and retirement account rules change over time and vary by country. The information on this site may not reflect the most current legal developments. Consult a qualified tax professional for advice specific to your situation.

Third-Party Links

This website may contain links to third-party websites, data sources, or references. We do not endorse or control these third parties and are not responsible for their content, accuracy, privacy practices, or availability.

AI-Assisted Content

Some explanatory content on this site was created with AI assistance and reviewed by humans. All financial calculations, numerical data, and government-sourced figures are hand-coded and hand-verified. See our Editorial Policy for details on our AI usage and content creation process.

Contact

If you have questions about this disclaimer, please contact us.