Copyright & Disclaimer
The Practical Planning Series
© Copyright ________ 2025 - All rights reserved.
The content contained within this book may not be reproduced, duplicated, or transmitted without direct written permission from the author or the publisher.
Under no circumstances will any blame or legal responsibility be held against the publisher or author for any damage, reparation, or monetary loss due to the information contained within this book. Either directly or indirectly. You are responsible for your own choices, actions, and results.
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This book is copyright protected. This book is only for personal use. You cannot amend, distribute, sell, use, quote, or paraphrase any part or content within this book without the consent of the author or publisher.
Disclaimer Notice:
Please note that the information contained within this document is for educational and entertainment purposes only. Every effort has been made to present accurate, up-to-date, and reliable, complete information. No warranties of any kind are declared or implied. Readers acknowledge that the author is not engaging in the rendering of legal, financial, medical, or professional advice. The content within this book has been derived from various sources. Please consult a licensed professional before attempting any techniques outlined in this book.
By reading this document, the reader acknowledges and agrees that the author is not responsible for any direct or indirect losses that may result from the use of the information provided, including but not limited to any errors, omissions, or inaccuracies.
This e-book and its companion workbook are educational resources designed to help you think more clearly about retirement planning. They are not legal, tax, investment, or accounting advice. The author is an educator—not an attorney, CPA, enrolled agent, investment adviser, broker-dealer, or financial planner—and does not provide professional services. Consult qualified professionals (e.g., a fiduciary financial planner, CPA/EA, and attorney licensed in your state) to personalize any strategy before you act.
The concepts, checklists, examples, and calculations in these materials are illustrative and necessarily general. Your circumstances may differ materially. Laws, regulations, tax rules, benefit programs (including Social Security and Medicare), and market conditions change over time and may render portions of this content incomplete or inaccurate. While reasonable efforts were made to ensure accuracy at the time of writing, the content is provided “as is,” without warranties or guarantees of any kind, express or implied, including but not limited to accuracy, completeness, timeliness, or suitability for a particular purpose. The author and publisher assume no obligation to update the materials.
Reading or using this e-book/workbook does not create an attorney-client, CPA-client, investment adviser-client, or any other professional-client relationship, and no fiduciary relationship is formed. Nothing herein is an offer to sell or a solicitation to buy any security or financial product. Past performance is not indicative of future results; all investing involves risk, including the possible loss of principal.
You are solely responsible for your financial decisions. By using these materials, you agree that the author and publisher shall not be liable for any loss, injury, or damage—direct, indirect, incidental, consequential, or otherwise—arising from or related to your reliance on the content or your implementation of any ideas discussed. If you input personal data into worksheets, store it securely and limit access.
If you have questions about how any topic applies to you, or if you are considering significant financial, tax, or legal actions, seek advice from appropriately licensed professionals who can evaluate your specific situation.
