CMO Disclaimer

I Am Not A Certified Professional

I am not a certified financial planner, certified public accountant, investment adviser, broker, lawyer, doctor, or other financial professional. I am an IT Project Manager by trade, and a layperson with a passion for personal finance. All information provided on this site is for entertainment and educational purposes only. Information shared here is based on my personal, and other peoples, stories and research. Your experiences and life will differ, and research may be based on inaccurate materials.

Please Consult With A Professional

Please consult with a real CPA/CFP, lawyer, or doctor should you need one. I do not take responsibility for decisions you make, you are a free entity with free will and I encourage you to do your own research outside this site before making any financial, work, or other decisions. You use anything you read on here at your own risk.

No Investment Advice

I do not give investment advice here. I have a personal preference for passive index fund investing versus active investing, but that does not mean this is the right option for you. Past performance is no guarantee of future returns.

Views Expressed

The views expressed on this site are my own. They should not be taken to be the views of any other person or company I am currently or have previously been affiliated with, any other organization, any of my online friends, or anyone else besides myself.

Errors And Omissions

I do not take responsibility for any errors or omissions of any information on this site. The information contained here is provided on an “as-is” basis with no guarantees of accuracy, completeness, timeliness, or usefulness. If you see an error or omission please contact me using my contact form, and I will make a correction if warranted.

Fair Use

This site may contain copyrighted material used in accordance with the “fair use” policy in the copyright law, Section U.S. Code § 107 – Limitations on exclusive rights: Fair use. For further information on Fair Use, please see this link –


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Privacy Policy

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