Disclaimer

Not financial or tax advice. I am not a CPA or adviser.

General information only

Everything on this site is general information, published for general circulation. It describes how a rule works and what one holder did about a problem. It is not written for your situation, and nothing here is a recommendation to buy, sell, hold, file, elect, or convert anything.

No professional relationship

The writer is not a Certified Public Accountant, an enrolled agent, a registered investment adviser, or an attorney. Nothing here is financial, tax, investment, or legal advice. Reading this site does not create a client, adviser, or attorney relationship of any kind. Your situation is yours. Before you act on anything you read here, talk to a professional who can see your records.

Tax law changes

Tax rules, contribution limits, form instructions, and reporting thresholds change, sometimes with retroactive effect, and the agencies that publish them revise their guidance. A rule described here was read from its primary source on the date shown on the page. It may not be the rule when you read it, and it may never have been the rule for a filer in your position.

Figures are dated and sourced

Every figure on this site carries the date it was checked and the primary source it was checked against. A figure is what that source said on that date. It is not a quote, a forecast, or a promise. Prices, distribution rates, fund figures, and account limits move, and the site does not update them in real time. A figure without a date is an error; report it.

Calculators and worked examples are estimates

If a page carries a calculator or a worked example, its output is an estimate built from the inputs stated on the page and from simplified assumptions. It does not know your other income, your filing status, your state, your holding periods, or your records, and it is not a tax computation. Treat it as a way to see how a rule behaves, not as a number to file.

Not an offer

Nothing on this site is an offer to sell, or a solicitation of an offer to buy, any security, token, fund, or account. No yield, return, or tax outcome is promised. Crypto assets can and do go to zero, and so can the money put into them.

No warranty

The site is provided as is and as available. The publisher makes no representation or warranty of any kind, express or implied, about the accuracy, completeness, currency, reliability, or availability of anything on it. Sources get corrected, rules change, and the writer makes mistakes. When an error is found it is fixed and the fix is noted on the page.

Third-party links

This site links to exchanges, custodians, software, court filings, agency releases, and fund documents published by other people. Those sites are not monitored or controlled by the publisher, who assumes no responsibility for their accuracy, availability, or conduct, and is not a party to any transaction between you and them. A link is a citation, not an endorsement. Affiliate links, when any exist, are covered by the affiliate disclosure.

Limitation of liability

To the fullest extent the law allows, the publisher is not liable for any loss or damage of any kind arising from your use of this site or your reliance on anything in it, including a filing position taken, an election made, a trade placed, or a professional not consulted on the strength of it. Anything you do with this information you do at your own risk. This disclaimer is part of the terms of use.