Financial Disclaimer
Finance Authority Hub publishes general education for readers in the United States. It is not personal financial, investment, tax, or legal advice. Please read this page before you act on anything you read here.
Read this first
Nothing on this site is personal advice. We do not know your income, debts, goals, risk tolerance, or tax situation, and we cannot assess them. Before you make a significant financial decision, get advice from a licensed professional in your state. The decision, and its consequences, are yours.
What this disclaimer means for you
The content on financeauthorityhub.com, including articles, guides, calculators, and comparisons, is provided for general information and education. It is not written for you personally. Here is what that means in practice.
It is not personal advice
Our content is not financial, investment, tax, legal, insurance, or retirement advice. It does not take into account your circumstances, goals, or risk tolerance.
All investing carries risk
Investments can lose value, and you can lose some or all of the money you put in. Past performance does not reliably predict future results.
It is written for US readers
Our guides reflect US federal rules and note where state rules differ. If you live elsewhere, the rules that apply to you may be very different.
Calculators illustrate, they do not predict
Results depend on your inputs and on assumptions we show on the calculator. Real outcomes can differ, sometimes a lot.
Rules and rates change
Tax limits, interest rates, and product terms change often. We date our content, but you should confirm time-sensitive figures with the source before you rely on them.
The decision is yours
We aim to help you understand your options and ask better questions. We do not tell you what to do with your money.
Disclaimers by type of content
Different kinds of content carry different limits. These apply on top of everything above.
Investing and markets
Our investing guides are education only. They are not a recommendation to buy, sell, or hold anything, and they were not prepared with knowledge of your finances. A product can be unsuitable for you even if it suits others. Read a product’s prospectus or disclosure documents and consider a registered investment adviser.
Tax and regulation
Tax rules change often and differ between federal and state levels. Our tax content is general and applies to the tax year it names. Your position depends on your income, filing status, and state, which we cannot see. For anything with real consequences, consult a CPA or IRS Enrolled Agent licensed in your state.
Legal and estate planning
Our estate planning guides on wills, trusts, probate, and powers of attorney are general information, not legal advice. Reading them does not create an attorney-client relationship, and the law varies by state. Use a licensed attorney in your state for documents and decisions.
Insurance and benefits
Coverage, exclusions, and benefit rules depend on the insurer, the policy, your state, and your circumstances. Our insurance guides explain how coverage generally works. Confirm details with a state-licensed agent or the insurer, and with the agency that runs a government program.
Calculators and tools
Our free calculators give illustrative results from your inputs and the assumptions we show. Small changes in rates, inflation, or time can change a result a lot. Use them as a starting point, and review important results with a professional.
Reviews and comparisons
These reflect public information at the time of writing and our editorial assessment against stated criteria. They are not a personal recommendation. Rates, fees, and terms change, so confirm current terms with the provider before you apply.
Historical data and statistics
Past returns, inflation, and rate histories are context, not predictions. We cite the source and the period. We rely on those sources being accurate, and errors in them can carry into our content.
Links and third-party information
Links to other sites are for convenience and are not an endorsement. We do not control those sites and are not responsible for them. Some links may earn us a commission, which never affects our assessments. See our Advertising & Affiliate Disclosure.
Our regulatory status
Finance Authority Hub is an editorial publisher, published by KCS Global Group. We are not registered or licensed in any of the categories below, and nothing on the site is regulated advice.
| Area | Our status | What it means for you |
|---|---|---|
| Investment advice | Not a registered investment adviser | We are not registered under the Investment Advisers Act of 1940 or with a state. Nothing here is personal investment advice. For advice, use an SEC- or state-registered adviser. |
| Securities | Not a broker-dealer | We do not sell securities, hold accounts, or place trades. Nothing here is an offer or solicitation to buy or sell any security. |
| Tax | Not a licensed tax professional | Our tax content is general education. For your situation, consult a CPA or IRS Enrolled Agent. |
| Legal | Not a law firm | We give no legal advice and form no attorney-client relationship. For legal matters, consult an attorney licensed in your state. |
| Insurance | Not a licensed insurance producer | We do not sell or advise on policies for you. Use a state-licensed agent for coverage decisions. |
| Loans and mortgages | Not a lender or loan originator | We do not make loans, take applications, or negotiate terms. Deal with a licensed lender or loan originator. |
| Your money | We never hold it | SIPC and FDIC protections apply only through the regulated institutions you deal with directly, not through this site. |
| Readers outside the US | Written for US readers | We do not cover other countries’ rules. Get advice from a professional licensed where you live. |
If a licensed professional reviews one of our articles, they do so in an educational and editorial role. They are not acting as your adviser.
When to get professional advice
Our guides work best as a starting point: they help you understand your options and know what to ask. For decisions like these, get personal advice from a licensed professional before you act.
Investing a meaningful amount
A registered adviser can assess your risk tolerance, time horizon, and existing assets. We cannot.
Retirement decisions
Rollovers, Roth conversions, annuity choices, and when to claim Social Security can be hard to undo. Talk to a qualified planner first.
Taxes with real consequences
Mistakes can bring penalties and interest. Use a CPA or Enrolled Agent licensed in your state.
Large borrowing
A mortgage or a big loan affects your whole financial picture. A licensed loan officer or fee-only planner can model it for you.
Wills, trusts, and estates
These involve both legal and financial complexity, and errors can be costly for your family. Consult an estate planning attorney in your state.
Insurance coverage
The right coverage depends on your assets, dependents, health, and work. A state-licensed agent can assess it for you.
Check a professional’s credentials before you hire
- SEC Investment Adviser Public Disclosure (opens in a new tab)
Check whether an adviser is registered
- CFP Board (opens in a new tab)
Verify a CFP® professional
- CPAverify (opens in a new tab)
Check a CPA’s license
- IRS: Choosing a tax professional (opens in a new tab)
How to pick and check a tax preparer
- NMLS Consumer Access (opens in a new tab)
Check a mortgage lender or loan originator
- National Association of Insurance Commissioners (opens in a new tab)
Find your state insurance regulator
Accuracy and liability
We work hard to keep our content accurate. Our Fact-Checking Policy explains how. But financial rules change constantly, so we cannot promise that every page is complete and current at the moment you read it.
Provided “as is”
Content is provided “as is” and “as available”. To the fullest extent permitted by law, we make no warranty, express or implied, about its accuracy, completeness, or suitability for any purpose. It may contain errors or omissions.
Limits on liability
To the fullest extent permitted by law, Finance Authority Hub, KCS Global Group, and our team and contributors are not liable for any loss or damage, direct or indirect, that results from using or relying on our content, calculators, or reviews.
Time-sensitive figures
Rates, limits, fees, and market data are accurate to the best of our knowledge when published or last reviewed, and may have changed since. Check the date on the page and confirm important figures with the source.
Information from others
We cite agencies, regulators, and providers, and we check those citations. We cannot guarantee that a third party’s information is free of errors, and a change or mistake at the source may appear in our content before we update it.
Calculators
Our calculators are illustrations built on stated assumptions. They may not be error-free or right for every situation, and we are not responsible for decisions made from their results.
Your responsibility
You are responsible for making sure your use of our information complies with the laws that apply to you, and for the choices you make with your money.
Your legal rights
Nothing here limits any right you have under law that cannot be waived. If any part of this disclaimer is found unenforceable, the rest still applies.
Common questions
Quick answers about what our content is and is not.
Is anything on this site financial advice?
No. Everything here is general education. Advice is personal, and we do not know your situation. A licensed professional can give you advice, and we encourage you to talk to one before any major decision.
Why do you keep telling me to see a professional?
Because for big decisions, your own facts matter more than any general guide. We aim to help you understand the topic and ask better questions when you do talk to an adviser, accountant, or attorney.
Can I rely on your calculators?
Use them to explore and compare, not to make a commitment. Results depend on your inputs and on the assumptions shown, and real outcomes can differ. For important plans, check the numbers with a professional.
Do your ads or affiliate links change what you say?
No. Ads and commissions help pay for the site, but they never change our assessments. Pages with affiliate links say so. Read our Advertising & Affiliate Disclosure.
Are you regulated as a financial firm?
No. We are an editorial publisher, not an adviser, broker-dealer, tax preparer, law firm, insurer, or lender. We never hold your money, so protections like FDIC and SIPC do not apply through this site.
What if I find a mistake?
Tell us. Email the page address and what you think is wrong, and we will check it. Our Complaints & Corrections Policy explains what happens next.
Questions about this disclaimer
If anything here is unclear, email us. We cannot give financial advice by email, but we are happy to explain how our content works. We do not use contact forms.
You can also visit our Contact page.
Formal statement
Formal statement: The information on financeauthorityhub.com, published by KCS Global Group, is for general information and education for a US audience. It is not financial, investment, tax, legal, insurance, or other professional advice, and it is not an offer or solicitation to buy or sell any security or financial product. Finance Authority Hub is not registered or licensed as an investment adviser, broker-dealer, tax professional, law firm, insurance producer, or lender. All investing involves risk, including loss of principal, and past performance does not guarantee future results. Before you make a significant financial decision, obtain personal advice from a licensed professional in your state. We review this disclaimer at least once a year.