Legal Disclaimer
The goal of this book is to provide accurate and useful information to you about personal financial planning. It is designed to help you focus on goals and actions that are important to address in the financial planning process. The book is intended to provide general guidelines that are for informational purposes only and is provided with the understanding that the author is not engaged in rendering professional services or in providing specific investment advice.
The application of general guidelines involving regulatory, accounting, and legal practices, which may differ from locality to locality and which are constantly changing, is highly dependent on an evaluation of individual facts and specific circumstances. With regard to any decisions that can potentially have significant financial, legal, tax, or other consequences, no book can take the place of individual professional advice. You should not regard this book as a substitute for consulting with a competent lawyer, accountant, or other financial professional, as appropriate to the nature of your particular situation.
The book presents various investment strategies and products that may or may not be appropriate for your specific situation. It is also important to keep in mind that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product discussed in this book will be profitable or suitable for your portfolio. Also, in order to help you consider investment options, this book makes certain assumptions about future investment returns. These projections are based on a number of factors, including past performance of various asset classes. While the past sometimes repeats itself, there is no assurance that past investment performance will be indicative of future results. Consequently, future investment performance for asset classes and portfolios cannot be guaranteed. If you have any questions regarding the applicability of any investment strategy or products discussed in this book to your particular financial situation, you should consult with a professional advisor.
References in the book to products, service providers, and potential sources of additional information do not mean that I can vouch for such products or services or the information or recommendations in those sources. I am not responsible for any third-party product or service or content over which I do not have control.
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