Terms of use
Last updated June 2026.
The plain version: this is a free educational site, not financial advice. We work hard to keep it accurate, but rules and numbers change, so confirm anything before you act on it. Using the site means you agree to the terms below.
Educational purpose only
RetirementFAQs publishes general educational information about retirement, taxes, investing, Social Security, Medicare, and estate planning. None of it is personalized financial, tax, legal, or investment advice, and reading it does not create an advisor-client relationship. Numbers and rules change often, and your situation is your own, so confirm current details with a qualified professional before you act.
No advisory relationship
Advisory services are provided only by Wealth Habits, under a separate written agreement. Reading this site, subscribing to the newsletter, joining the community, using a calculator, or submitting any form does not make you a client and does not obligate either of us to enter an advisory relationship. If you book a call, that conversation is simply to see whether working together makes sense.
Who can use the site
This site is built for adults making their own retirement and financial decisions, and the information is written for a United States audience. If you are outside the US, the rules and figures here may not apply to you. The site is not directed to children.
The newsletter, community, forms, and booking
Several features run on trusted outside platforms. The newsletter is delivered through an email provider. The paid community is hosted on a separate community platform with its own membership terms and pricing. Booking a call runs through a scheduling tool. When you use any of these, that provider's terms and privacy practices apply in addition to ours. Our privacy policy explains what each one collects.
Acceptable use
Please use the site the way it is meant to be used. Do not try to break it, overload it, scrape it in bulk, copy it wholesale, submit unlawful or harmful content where the site accepts input, impersonate anyone, or use it to send spam. We may limit or block access if someone does.
Our content
The articles, answers, guides, and design here belong to RetirementFAQs and Wealth Habits unless noted otherwise. You are welcome to read everything for free and to share links. What you cannot do is republish substantial portions as your own, or use the content commercially, without our permission.
Third-party links and tools
We link to outside sources, including government sites, and the Toolbox points to third-party apps we think are worth a look. Those picks are our own opinion and are not paid placements unless we say so plainly on the page. We do not control any outside site or app, we are not responsible for their content, accuracy, pricing, or practices, and a link is not a blanket endorsement. Check them out for yourself before relying on them.
No warranties
The site is provided "as is" and "as available," without warranties of any kind, express or implied. We do not promise the information is complete, current, or error-free, and we do not promise the site will always be available. Calculators and tools are simplified estimates meant for learning, not projections you should bank on.
Limitation of liability
To the fullest extent the law allows, RetirementFAQs and Wealth Habits, along with anyone who works with us, are not liable for any loss or damage arising from your use of the site or your reliance on anything you read here. That includes lost money, lost opportunities, and indirect or consequential damages. When you are making a real decision, get advice that fits your own situation.
Indemnification
If your misuse of the site, or your violation of these terms, leads to a claim against us, you agree to cover the reasonable costs of dealing with it.
Changes to these terms
We may update these terms as the site grows or the law changes. When we do, we will update the date at the top. If you keep using the site after a change, that means you accept the updated terms.
Governing law and disputes
These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, and any dispute will be handled in the courts located there, unless the law requires otherwise. We would always rather sort out a problem directly first, so please reach out before anything escalates.
Contact
Questions about these terms? Send us a message.