1. Purpose of This Disclaimer

This Disclaimer applies to both websites operated by Dr. Harold Wong. The websites are intended to provide educational information regarding retirement income planning, retirement tax planning, Roth IRA conversions, wealth preservation, and related financial topics. By using these websites, you acknowledge and agree to the terms of this Disclaimer.

2. Educational Information Only

All articles, videos, downloadable resources, presentations, newsletters, webinars, seminars, and other content are provided solely for general educational purposes. The information is intended to help visitors better understand retirement and tax concepts and should not be interpreted as individualized professional advice.

3. No Professional-Client Relationship

Reading website content, subscribing to a newsletter, downloading educational materials, registering for a seminar, sending an email, or requesting information does not by itself create a professional-client relationship. Such a relationship exists only after both parties expressly agree to work together, when appropriate.

4. No Individualized Advice

Nothing on these websites constitutes individualized tax, legal, accounting, investment, insurance, or financial advice. Financial and tax planning decisions depend on each person's unique circumstances. Visitors should consult qualified professional advisers before implementing any strategy discussed on these websites.

5. Examples and Case Studies

Examples, illustrations, hypothetical situations, and client success stories are presented to explain planning concepts. They should not be interpreted as promises or guarantees that similar results can be achieved by any other individual. Outcomes depend upon many factors including personal goals, financial resources, tax law, timing, and implementation.

6. No Guarantee of Results

Although every effort is made to present accurate and useful information, no representation or warranty is made that any strategy will achieve a particular financial, tax, or retirement outcome. Past performance or previous client experiences are not guarantees of future results.

7. Accuracy and Timeliness

Tax laws, regulations, and financial planning considerations change over time. Information that was accurate when published may later become outdated because of legislative, regulatory, judicial, or economic changes. Visitors should verify current information before relying upon it.

8. Third-Party Resources

The websites may contain links to third-party websites, articles, videos, calculators, or other resources. Such references are provided solely for convenience and educational purposes and do not constitute an endorsement of the content, products, services, or opinions of those third parties.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Dr. Harold Wong and Retirement Tax Insiders shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of, or reliance upon, information provided on these websites.

10. Intellectual Property

Unless otherwise noted, website content is protected by applicable copyright and intellectual property laws. Visitors may print or download material for personal educational use but may not reproduce, republish, distribute, or commercially exploit website content without prior written permission.

11. Governing Law

This Disclaimer shall be governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

12. Contact

Questions regarding this Disclaimer may be submitted using the contact information provided on either website.

Summary

• The websites are educational resources.
• No individualized advice is provided through website content alone.
• Professional guidance should be obtained before acting on any strategy.
• Individual results vary and cannot be guaranteed.
• Visitors use the websites at their own discretion.