Information, not advice.

The standard “not financial advice” in plain English.

The information published on Wealth Informatics (wealthinformatics.com) — including all guides, calculators, articles, comparison tables, newsletters, and ancillary content — is provided for general informational and educational purposes only.

It is not, and should not be construed as: financial advice, investment advice, tax advice, legal advice, accounting advice, insurance advice, mortgage advice, retirement-planning advice, estate-planning advice, or any other form of professional advice tailored to your personal circumstances.

Reading the site, using a calculator, signing up for the newsletter, or contacting us through any form on the site does not create a fiduciary, advisor-client, attorney-client, accountant-client, agent-client, lender-borrower, or any other professional relationship between you and Wealth Informatics, Wealth Informatics LLC, our co-founders, editors, contributors, or anyone otherwise associated with the site.

If a decision involves your specific situation — your income, your tax filing, your investment account, your mortgage application, your insurance enrollment, your estate plan — you need a licensed professional in your jurisdiction, not a website.

The boundary between education and advice.

The distinction between education (what we do) and advice (what we don’t) matters legally and practically. Both deal with the same underlying facts; they differ in what’s done with those facts.

Practically, this means an article on “how Roth conversions work” explains the mechanics, the bracket math, the 5-year rule, and the trade-offs. It does not tell you whether you should do a Roth conversion this year, how much to convert, which account to convert from, or when to time it. Those decisions depend on facts about you that we don’t have and shouldn’t guess at.

We try hard. Mistakes still happen.

Our editorial policy describes the source hierarchy, fact-checking process, year-tagging discipline, and annual re-review cadence we follow. Every figure is anchored to a primary source (IRS publication, SEC filing, FDIC data, Federal Reserve release, etc.). Every page is re-checked once a year for current-year accuracy.

None of this guarantees the information is correct. Despite editorial diligence:

• Rules change between our review and your reading. The IRS issues guidance throughout the year. State legislatures pass laws. Federal Reserve rate decisions move benchmarks. A page accurate at last review may be out of date by the time you read it.
• Human error happens. A figure can be transcribed incorrectly, a source link can break, an interpretation can be wrong. When we catch it (or you do), we publish the correction in the corrections log.
• Edge cases get missed. Personal finance is filled with state-specific rules, filing-status nuances, and special-situation exceptions. A page written for the general case may not cover yours.
• Rate data ages by the minute. Mortgage rates, HYSA APYs, and CD rates change daily or weekly. Dated rate tables reflect the rate at the date of the stamp — not necessarily today.

Treat the site as a starting point for understanding, not as the final authority for a financial decision. Before acting on a number you read here, verify against the primary source we cite or against a current published rate.

Reading the site does not retain us as anything.

Specifically — and this is important because federal and state law treats these relationships very differently:

• No advisor-client relationship. Wealth Informatics is not a Registered Investment Adviser (RIA). We are not registered with the SEC or any state securities regulator. We do not provide personalized investment advice or accept compensation in exchange for recommending specific securities. We are not held to the SEC’s Investment Advisers Act fiduciary duty as to you.
• No attorney-client relationship. Wealth Informatics does not provide legal advice. Communications with us are not protected by attorney-client privilege. Estate-planning, asset-protection, tax-controversy, and other legal questions require a licensed attorney in your jurisdiction.
• No accountant-client relationship. Wealth Informatics does not prepare tax returns, provide tax planning, or represent taxpayers before the IRS. Tax preparation, tax planning, and tax representation require a CPA, Enrolled Agent, attorney, or otherwise IRS-authorized preparer.
• No broker-dealer relationship. Wealth Informatics is not a broker-dealer. We do not execute securities transactions or hold customer funds.
• No lender or mortgage-originator relationship. Wealth Informatics is not a lender, mortgage broker, or NMLS-licensed loan originator. We do not originate mortgages, take loan applications, or extend credit.
• No insurance-producer relationship. Wealth Informatics is not a licensed insurance producer in any state. We do not sell, recommend, or place insurance products.

This is the case regardless of how detailed any individual article happens to be. Depth of coverage is not advice. A 3,500-word explainer on Roth conversions is still general education.

Tax content is complicated — and so are the limitations.

Tax content on Wealth Informatics — federal income tax, capital gains, estate and gift tax, self-employment tax, state income tax, OBBBA provisions, SECURE 2.0 provisions, and so on — is published for general educational purposes. The following limitations apply:

• Year-tagging. Every tax figure we publish is tagged with the tax year it applies to (“For tax year 2026, the contribution limit is…”). If you’re reading an article tagged for a prior tax year, the figures are obsolete — verify against the current IRS publication.
• Federal-first orientation. Most tax content focuses on federal rules. State tax rules vary substantially — flat vs. progressive brackets, special deductions, local-income-tax overlays, different conformity rules with the federal code. State-specific content is flagged explicitly; if a page doesn’t flag the state-specific issue, assume one exists.
• No tax-position recommendation. We don’t tell you whether to take a deduction, claim a credit, file separately or jointly, time a capital-gains realization, do a Roth conversion, accelerate or defer income, or take any other tax position. Those decisions depend on the totality of your tax situation, which we don’t know.
• Circular 230 disclaimer. Nothing on Wealth Informatics is intended or written to be used, and cannot be used, by any taxpayer for the purpose of (a) avoiding tax-related penalties that may be imposed on the taxpayer, or (b) promoting, marketing, or recommending to another party any matters addressed on the site.

No specific securities. No timing. No exceptions.

Investing content on Wealth Informatics — index funds, asset allocation, ETF mechanics, expense ratios, Roth conversions, tax-loss harvesting, FIRE frameworks, withdrawal-rate analysis, sequence-of-returns risk — is published for general educational purposes. The following limitations apply:

• No specific-security recommendations. We don’t say “buy this stock,” “this is a good time to enter,” or “sell that ETF.” Articles discussing investment categories (e.g., index funds, target-date funds, REITs) explain the category mechanics — they’re not buy/sell signals.
• Past performance is not indicative of future returns. Historical figures (S&P 500 long-run return, 4% rule trinity-study data, bond-yield series) are reported as historical record. They describe what has happened. They do not predict what will happen.
• Investment involves risk of loss. All securities involve risk. You can lose money — including the entirety of an investment. Index funds, ETFs, money-market funds, target-date funds, and Treasury securities all carry risk; the risks differ, but none is zero.
• Withdrawal-rate frameworks are probabilistic. The 4% rule, the 3.5% rule, Monte Carlo projections, and sequence-of-returns analyses are statistical frameworks calibrated against historical data. They do not guarantee that your portfolio will or will not survive any specific scenario.

We’re not NMLS-licensed. We don’t originate loans.

Mortgage and lending content on Wealth Informatics — conforming loan limits, FHA rules, jumbo thresholds, refi mechanics, PMI rules, points break-even, 15-vs-30 analysis, debt-to-income guidelines, state-specific lending differences — is published for general educational purposes. The following limitations apply:

• Not NMLS-licensed. Wealth Informatics is not registered with the Nationwide Multistate Licensing System (NMLS) as a mortgage broker or loan originator. We do not take loan applications, qualify borrowers, or originate residential mortgages in any state.
• Rate data is dated. Mortgage rate figures we publish (30-year fixed, 15-year fixed, FHA, VA, jumbo) carry an “As of [Month YYYY]” stamp. Rates move daily — sometimes multiple times per day. The rate you see today is not the rate you’ll be quoted.
• Borrower-specific quotes require a lender. The rate you’ll actually be quoted depends on your credit score, debt-to-income ratio, loan-to-value ratio, property type, occupancy, location, lender, and market conditions on the day of lock. We can describe the framework; we can’t predict your quote.
• State-specific rules apply. Mortgage law varies substantially by state — recording requirements, deficiency-judgment rules, foreclosure timelines, transfer taxes, special documentary stamps. If a state-specific issue isn’t flagged, verify with a state-licensed attorney or NMLS-licensed originator.

Insurance is state-licensed. We aren’t.

Insurance content on Wealth Informatics — property insurance, ACA marketplace mechanics, Medicare Part B/D/IRMAA, term life sizing (DIME method), disability income, HSA mechanics, FSA election sizing — is published for general educational purposes. The following limitations apply:

• Not a licensed producer. Wealth Informatics is not licensed as an insurance producer, agent, or broker in any state. We do not sell, recommend, or place insurance products.
• ACA subsidies depend on income certification. Premium Tax Credit eligibility, cost-sharing reductions, and Medicaid eligibility depend on income certification at enrollment and reconciliation at tax filing. The 2026 marketplace operates without the enhanced subsidies that expired Dec 31, 2025 — eligibility and premiums shifted materially.
• Medicare decisions are time-limited. Initial enrollment, Special Enrollment Periods, and General Enrollment have hard deadlines with permanent late-enrollment penalties. Medicare Advantage and Part D plan selection requires running the Medicare Plan Finder against your specific medications and providers — not against a generic guide.
• Property insurance rates vary by carrier and ZIP code. Florida, California wildfire zones, coastal Carolinas, Tornado Alley, and several other markets have unique pricing dynamics — and several carriers have exited certain markets entirely. Quotes require running your specific address through a carrier or independent agent.

Calculators show their math. And their assumptions.

The 125 calculators on Wealth Informatics — paycheck (every state), mortgage, retirement, FIRE, tax brackets, debt payoff, and the rest — are educational tools. Each calculator displays its formula and assumptions on the page, so the math is auditable rather than hidden in a black box. The following limitations apply:

• Inputs are user-provided. We do not validate or verify the inputs you enter. Garbage in, garbage out — if you enter an inaccurate salary, withholding, or rate, the output will reflect that.
• Assumptions are explicit but simplified. Each calculator’s assumptions are listed below the result. Common simplifications: federal-only tax (state add-ons not modeled), single filing status (other statuses calculated separately), no local income tax (NYC, Philadelphia, Detroit, etc., have separate models), constant rate of return (real markets don’t).
• Edge cases not modeled. Calculators target the general case. AMT exposure, NIIT, additional Medicare tax, IRMAA brackets, multi-state allocation, multi-year carryforwards, and similar complications are flagged when relevant but not modeled inside every calculator.
• Output is illustrative, not authoritative. Tax owed, mortgage payment, retirement projection, FIRE number — these are illustrative figures based on the assumptions stated, not the figure a tax preparer, lender, or actuary would produce for your specific situation.

For any decision where the calculator output matters financially — actual tax liability, actual mortgage qualification, actual retirement plan — verify against the licensed professional who handles that decision.

The site is United States-focused.

Wealth Informatics is published by Wealth Informatics LLC, a Pennsylvania limited liability company, and is directed primarily at US adults making US personal-finance decisions. The content is calibrated to:

• US federal law and regulation. IRS rules, SEC and FINRA regulations, FDIC insurance rules, federal banking law, ERISA, the Internal Revenue Code, and federal consumer-protection statutes (CFPB, FTC).
• US state-level rules where they materially affect the topic. State income tax, mortgage law, insurance regulation, estate tax, and similar state-specific issues are flagged where relevant.
• US-dollar denominations. All figures are in USD unless explicitly stated otherwise.

If you reside outside the United States, the content on this site may be partially or wholly inapplicable to your circumstances. Tax law, retirement-account rules, mortgage law, insurance regulation, and consumer-protection statutes in other jurisdictions are materially different. Cross-border considerations — FBAR, FATCA, PFIC, foreign tax credits, treaty positions — are out of scope.

If you are a US person living abroad, consult a cross-border tax specialist in addition to any US-resident professional.

We link out. We don’t control what’s there.

Articles on Wealth Informatics frequently link to third-party resources — IRS publications, SEC filings, state revenue departments, NMLS Consumer Access, FINRA BrokerCheck, SEC IAPD, the Federal Reserve’s H.15 release, and so on. Several limitations apply:

• We don’t control external content. Linked pages may change, move, or be removed without notice. The figure cited on our page is the figure that was present at the source on the date of our review.
• Linking is not endorsement. We link to third-party services (state DORs, federal registries, etc.) because they’re authoritative or useful. Inclusion of a link is not a recommendation that you transact with the linked party.
• External privacy and terms apply. When you click an external link, you leave Wealth Informatics and become subject to that site’s privacy policy and terms of service. Our privacy policy does not extend to external destinations.
• No affiliate compensation. Wealth Informatics does not earn affiliate revenue from external links. The site’s revenue transparency page documents the full revenue model.

A practical rule of thumb.

Most personal-finance decisions don’t require a licensed professional. The broad framework — open a Roth IRA, contribute up to the employer match in your 401(k), keep an emergency fund, pay off high-rate debt before low-rate debt, use index funds rather than picking stocks — is accessible to anyone willing to read carefully. That’s what most of the site is for.

You should engage a licensed professional when at least one of the following is true:

• The dollars are large enough that getting it wrong has long-term consequences. Rollover decisions, Roth conversion decisions over $50,000, large capital-gains realizations, mortgage refinances above $400K, estate planning for net worth above the federal exemption, business sales, equity-compensation events.
• The rule depends on facts about you we don’t have. AMT exposure, NIIT, IRMAA bracket positioning, state tax allocation across multiple states, foreign-earned income, K-1 income, depreciable property, multi-year carryforwards.
• You have a professional credential opportunity. Many financial decisions are made better by someone whose work product is reviewed by a regulator. CPAs, CFP®s, NMLS-licensed loan officers, and attorneys all have public registries and continuing-education requirements.
• You don’t want to spend the time. Personal finance rewards depth. If you don’t want to do the depth, a fee-only fiduciary advisor is a reasonable trade — the advisors pillar covers fee structures, what to verify, and how to find one.

When this changes, the page changes.

We may update this disclaimer from time to time to reflect changes in our content, applicable law, or operational practice. When we do:

• The “Last updated” date at the top of the page changes.
• The version number increments.
• Material changes are noted in the corrections log.

Continued use of the site after an update constitutes acceptance of the updated disclaimer. If you don’t agree with a revised disclaimer, the appropriate response is to stop using the site.

Questions about this disclaimer.

If you have a question about anything in this disclaimer — what it covers, what it doesn’t, how a specific limitation applies to a specific article — the contact form is the canonical inbox. Mark the subject “Disclaimer question” and include the URL of any specific article you’re asking about. We respond to most messages within 5 business days.

For questions about a specific figure or claim on the site (which would be a correction request rather than a disclaimer question), see the corrections policy.

For questions about how we earn money (which would be a revenue-transparency question), see the disclosure page.

Wealth Informatics LLC · 81 Henry St, Unit D · East Stroudsburg, PA 18301 · United States · hello@wealthinformatics.com