Important: The content published on FreshWealth (freshwealthhq.com) is provided for general informational and educational purposes only. It does not constitute professional financial, investment, tax, legal, or accounting advice. By using this website, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

1. General Disclaimer

FreshWealth (“we,” “us,” “our,” or “FreshWealth HQ”) publishes personal finance content for U.S. readers. All information, articles, calculators, examples, and other materials on this website (the “Content”) are provided “as is” and for general informational and educational purposes only.

The Content does not constitute, and should not be relied upon as, professional advice of any kind. You should not act or refrain from acting on the basis of any Content without seeking appropriate professional advice tailored to your specific circumstances.

Your use of FreshWealth and any reliance on the Content is solely at your own risk.

2. Not Financial or Investment Advice

Nothing on FreshWealth constitutes:

• financial advice
• investment advice or recommendations
• tax advice
• legal advice
• accounting advice
• retirement planning advice
• estate planning advice
• insurance recommendations

Articles describing financial concepts, retirement benchmarks, savings strategies, debt repayment methods, credit guidance, or investment principles are educational in nature only. They are not personalized recommendations for your individual situation.

3. We Are Not Licensed Professionals

FreshWealth is an independent personal finance publication. We are not:

• registered investment advisors (RIA)
• registered representatives of any broker-dealer
• certified financial planners (CFP®)
• certified public accountants (CPA)
• tax attorneys or licensed attorneys
• licensed insurance agents
• fiduciaries to any reader

No fiduciary relationship is created between FreshWealth and any reader by virtue of accessing or using this website. We do not have a duty to act in any specific reader’s best interest beyond providing accurate, well-sourced general information.

4. Accuracy of Information

We make reasonable efforts to ensure that the Content is accurate, current, and based on reliable primary sources at the time of publication. Our editorial process is documented in our editorial standards and methodology.

However, financial information changes frequently. Tax brackets, contribution limits, interest rates, regulations, and benefit calculations can be updated by the IRS, Social Security Administration, Federal Reserve, and other agencies at any time. While we update Content regularly to reflect these changes:

• we make no warranty regarding the accuracy, completeness, timeliness, or reliability of the Content
• we do not guarantee that any information is current as of the date you read it
• readers should always verify critical figures (contribution limits, tax brackets, interest rates) directly with official sources before making financial decisions
• we may revise or remove Content without notice if we identify errors or outdated information

5. Third-Party Links and References

FreshWealth includes links to third-party websites, including government agencies (IRS, SSA, Federal Reserve, etc.), institutional research (Fidelity, Vanguard, etc.), news sources, and other educational resources.

These links are provided for reference and convenience only. We do not control, endorse, or assume responsibility for:

• the content, accuracy, or availability of any third-party website
• any products, services, or advice offered by third parties
• any actions taken based on third-party information
• any data collection or privacy practices of third-party sites

Your use of third-party websites is governed by their own terms of service and privacy policies. We encourage you to review those policies before providing any personal information.

6. Investment Risk Warning

Specifically:

• Historical returns referenced in our Content (such as the commonly cited “7% average stock market return”) are based on long-term historical data and are not guarantees of future performance
• Retirement projections using compound interest calculations assume specific return rates and contribution patterns that may not match real-world outcomes
• Benchmark figures (such as Fidelity’s retirement savings benchmarks) are general guidelines, not guarantees of retirement readiness
• Market volatility, inflation, fees, taxes, and individual circumstances can significantly affect actual investment outcomes

You should carefully consider your investment objectives, level of experience, and risk appetite before making any investment decision. Never invest money you cannot afford to lose.

7. Tax and Legal Information

Information on FreshWealth regarding tax topics — including tax brackets, contribution limits, deductions, retirement account rules, and tax strategies — is general educational content based on publicly available IRS publications and guidance.

Tax laws are complex and vary based on:

• your income level and filing status
• your state of residence
• your specific employment situation
• recent legislative or regulatory changes

We strongly recommend consulting a qualified CPA, tax attorney, or enrolled agent before making any tax-related decisions. The IRS provides free resources at irs.gov, including the Volunteer Income Tax Assistance (VITA) program for eligible taxpayers.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

FreshWealth, its owners, editorial team, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with:

• your access to, use of, or inability to use this website
• any reliance on the Content published on FreshWealth
• any errors, omissions, or inaccuracies in the Content
• any financial losses, missed opportunities, or unsuccessful investment outcomes
• any decisions made based on information from this website
• any third-party content or links accessed through this website

This limitation applies regardless of the legal theory under which damages are sought, whether in contract, tort, negligence, strict liability, or otherwise, and even if FreshWealth has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this limitation may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.

9. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, applicable laws, or regulatory requirements. When we make material changes:

• the “Last updated” date at the bottom of this page will be revised
• significant changes may be communicated through a notice on the website
• continued use of FreshWealth after changes constitutes acceptance of the revised Disclaimer

We encourage readers to review this Disclaimer periodically to stay informed of our terms.

10. Contact Information

If you have questions about this Disclaimer or need clarification on any of its provisions, please reach out to us through our contact page.

For information about our editorial standards, fact-checking process, and how we handle corrections, see our Editorial Standards & Methodology.

For information about how we handle your personal data, see our Privacy Policy.

This Financial Disclaimer was last updated in May 2026. We reserve the right to update or modify this Disclaimer at any time without prior notice.