Disclaimer

1. Informational Purposes Only

1.1 The Retirement Security Score tool is intended solely for informational purposes. It does not constitute, and should not be construed as, personal financial, tax, or investment advice.

1.2 Users must not rely on this tool as a substitute for professional financial guidance tailored to their specific circumstances. The calculations provided are general in nature and do not account for unique individual factors.

1.3 For personalized advice, we strongly recommend consulting with a qualified financial advisor or tax professional who can provide insights based on your individual situation.

2. No Liability

2.1 RetirementSecurityCalculator.com, BIME LLC, their staff, affiliates, and partners disclaim all liability for any loss, damages, or loss of profit resulting from decisions or actions taken based on the results of this tool.

2.2 By using this tool, you acknowledge and agree that all investment decisions carry inherent risks, and you bear full responsibility for any outcomes related to your financial choices.

3. General Risks of Investment

3.1 All investments involve risks, including but not limited to market volatility, inflation, and changes in interest rates, tax laws, and economic conditions. There is no guarantee that any investment strategy will achieve its objectives or avoid losses.

3.2 Past performance of investments, inflation rates, and market trends are not indicative of future results. Users should not assume that future conditions will mirror historical data utilized in this tool's calculations.

4. Scope and Limitations of the Free Tool

4.1 The free version of the Retirement Security Score tool provides an accurate baseline score based on general assumptions and historical data.

4.2 This version does not account for personal factors such as health, life expectancy, real estate holdings, debt obligations, or specialist investments. Users seeking a more comprehensive analysis are encouraged to explore our premium tool available exclusively to registered financial advisors.

4.3 Additionally, the tool does not incorporate real-time changes in tax laws, IRS regulations, or economic events. Users should consult the official IRS website (irs.gov) and their financial advisor for the most up-to-date information.

5. Importance of Professional Guidance

5.1 Retirement planning requires professional expertise. This tool is not designed to replace consultations with qualified financial advisors, accountants, tax specialists, or estate planning professionals.

5.2 Users should seek professional advice before making any decisions regarding retirement accounts, investments, or tax strategies to ensure compliance with current regulations and alignment with their goals.

6. Cookies and Technical Functionality

6.1 The Retirement Security Score tool uses cookies and similar technologies solely to ensure the functionality of the app. These cookies do not collect personal information and are used only for session-based calculations.

6.2 Users who disable cookies in their browser settings may experience reduced functionality of the tool.

7. Third-Party Links and Recommendations

7.1 Our site may recommend services of affiliated partners. Some of these partners compensate us through advertising or referral fees. These relationships do not influence our recommendations, and you will not pay more for using their services than you would by going directly.

7.2 We are not responsible for the privacy practices or content of third-party websites. Users are encouraged to review the privacy policies of any third-party site before providing personal information.

8. Updates to This Disclaimer

8.1 We reserve the right to update this disclaimer as necessary to reflect changes in our tool, services, or applicable laws. Users are encouraged to review this page periodically for updates.

By using the Retirement Security Score tool, you acknowledge and accept the terms of this disclaimer.