Disclaimer

For Informational and Educational Purposes Only

Lumifin is a financial modeling and education tool designed to help you explore scenarios and gain clarity about your financial future. All projections, calculations, and outputs provided by Lumifin — including ending balance estimates, net worth projections, tax estimates, withdrawal strategies, Roth conversion analysis, ACA/healthcare subsidy estimates, and scenario comparisons — are for informational and educational purposes only.

Model outputs highlight mathematical differences between strategies and do not constitute a recommendation to pursue any particular course of action.

Not Financial, Tax, or Legal Advice

Nothing on this website or within the Lumifin application constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

Lumifin LLC is not a registered investment adviser (RIA), broker-dealer, or tax preparer. We do not recommend any specific investment, security, financial product, or course of action.

The information and analysis presented through the application should not be relied upon as a substitute for consultation with qualified, licensed professionals.

Consult Your Professionals

Before making any financial decisions, you should consult with qualified professionals who can evaluate your specific circumstances, including but not limited to:

• A certified financial planner (CFP) or registered investment advisor (RIA)
• A certified public accountant (CPA) or enrolled agent (EA)
• An estate planning or other licensed attorney
• Other professionals appropriate to your specific situation

Projections Are Estimates

All projections and calculations are based on the assumptions and data you provide, combined with simplified models of tax rules, market behavior, and other financial factors. Actual results will differ — potentially significantly — from any projections shown.

Past performance does not guarantee future results. Market conditions, tax laws, healthcare costs, and personal circumstances change over time in ways that models cannot predict.

No Fiduciary Relationship

Use of Lumifin does not create a fiduciary relationship, an advisory relationship, or any professional-client relationship between you and Lumifin LLC. We do not act as your financial advisor, broker, or agent.

Limitation of Liability

Lumifin LLC shall not be held liable for any losses, damages, or adverse outcomes that result from decisions made based on information provided by this website or the application. You are solely responsible for your financial decisions.

By using Lumifin — including this website and the application — you acknowledge that you have read and understood this disclaimer.

Questions? Contact us at hello@lumifin.co.