Investment Disclaimer
Educational Use Only
ML Stats and ML Unified Services LLC are not registered investment advisers, broker-dealers, certified financial professionals, tax advisers, accountants, attorneys, or financial institutions.
The Retirement Calculator, Portfolio Income Modeler, and all related tools, calculations, projections, simulations, reports, examples, and educational content are provided solely for informational and educational purposes.
Nothing on this website constitutes financial, investment, tax, legal, accounting, retirement, or other professional advice. The information provided is general in nature and is not tailored to your individual circumstances, objectives, risk tolerance, or financial situation.
You should consult qualified licensed professionals before making financial, tax, legal, retirement, or investment decisions.
No Fiduciary or Advisory Relationship
Use of ML Stats, its tools, website, content, or services does not create a fiduciary, advisory, professional, client, confidential, or other special relationship between you and ML Unified Services LLC.
No recommendation is being made to buy, sell, hold, allocate, rebalance, withdraw, contribute to, or otherwise take action regarding any security, investment, account, retirement arrangement, or financial product.
Projections and Monte Carlo Simulations
Retirement projections, portfolio forecasts, Monte Carlo simulations, success probabilities, withdrawal analyses, future account balances, income estimates, net worth projections, and other modeled outcomes are hypothetical estimates based on assumptions and statistical models.
These outputs are not predictions, guarantees, or assurances of future results.
Actual outcomes may differ materially due to factors including, but not limited to:
- Market performance
- Inflation
- Interest rates
- Dividend changes
- Tax law changes
- Healthcare expenses
- Investment fees
- Economic conditions
- Personal spending decisions
- Life expectancy
- Changes in employment, pension, or Social Security benefits
Past performance assumptions do not guarantee future results.
Tax and Retirement Calculator Limitations
Any tax-related calculations, estimates, projections, MAGI calculations, withdrawal sequencing analyses, Roth conversion scenarios, or retirement calculator outputs are simplified models and may not reflect current laws, regulations, deductions, credits, filing situations, or individual circumstances.
Tax laws and regulations change frequently. Users are responsible for verifying all tax assumptions and consulting qualified tax professionals.
No Warranty
The website, tools, calculations, content, and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
To the fullest extent permitted by law, ML Unified Services LLC disclaims all warranties, including but not limited to:
- Accuracy
- Completeness
- Reliability
- Availability
- Merchantability
- Fitness for a particular purpose
- Non-infringement
No guarantee is made regarding the accuracy, timeliness, completeness, or suitability of any information or calculation.
Calculation and Modeling Risk
The tools may contain bugs, modeling limitations, software defects, data issues, assumption errors, rounding differences, or calculation inaccuracies.
Results may differ from:
- Real-world outcomes
- Professional financial calculation software
- Brokerage projections
- Government calculators
- Other retirement or investment calculators
Users should independently verify all calculations before relying upon them.
User Responsibility
You are solely responsible for evaluating and using any information, projections, analyses, or outputs generated by these tools.
You are solely responsible for your financial, tax, legal, retirement, and investment decisions.
You should perform your own due diligence, verify all assumptions, and consult qualified licensed professionals before taking action based on any output generated by ML Stats.
Data Storage and Privacy
Do not enter sensitive personal, financial, or account-identifying information into these tools, including:
- Brokerage account numbers
- Bank account numbers
- Social Security numbers
- Tax identification numbers
- Passwords
- Authentication credentials
- Other confidential information
When naming accounts, use generic nicknames only, such as "Taxable Brokerage" or "401(k)".
Saved portfolio and scenario information is stored in your web browser's local storage unless otherwise specified. This information is not stored in ML Stats service databases or backend systems by default.
While reasonable efforts may be made to maintain website functionality and security, users should assume that information may be lost, corrupted, deleted, become inaccessible, or fail to persist due to browser settings, software updates, device failures, or other technical issues.
Users are responsible for maintaining their own backups of important scenario data.
Limitation of Liability
To the fullest extent permitted by applicable law, ML Unified Services LLC, its owners, officers, members, employees, contractors, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or relating to:
- Use of these tools
- Inability to use these tools
- Reliance on any output, calculation, or projection
- Financial losses
- Investment losses
- Tax consequences
- Lost profits
- Lost opportunities
- Data loss
- Errors or omissions
Your sole remedy for dissatisfaction with the website or tools is to discontinue use.
Acceptance of Terms
By accessing or using ML Stats, you acknowledge that you have read, understood, and accepted this disclaimer and the limitations described herein.
If you do not agree with these terms, do not use the website or its tools.