Financial Disclaimer
The tools, calculators, and content on ForestMatters are for educational and informational purposes only. Nothing on this site constitutes financial, investment, tax, or legal advice of any kind. All information is provided for illustrative and educational purposes and should not be relied upon as the basis for any financial decision.
Always consult a qualified financial, tax, or legal professional before making any financial decisions. Individual circumstances vary, and a professional can evaluate your specific situation in ways a general-purpose calculator cannot.
No Professional Relationship
Using this site, its tools, or its educational content does not create a financial advisor/client relationship, attorney/client relationship, or any other professional relationship of any kind. ForestMatters, LLC is an educational resource, not a licensed financial advisor, registered investment advisor, or financial planner.
Accuracy of Calculations
We strive for accuracy in our calculators and content, but make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information on this site. Financial calculations are illustrative and based on assumptions — such as constant rates of return, steady contributions, and simplified tax treatment — that may not reflect your actual situation.
Calculator results should be used as a starting point for thinking, not as a precise prediction of real-world outcomes. Actual results will differ based on taxes, fees, market volatility, behavioral factors, and many other variables the calculators do not model.
Past Performance
References to historical market returns — such as a 7% average annual return for U.S. equities — are illustrative only and based on long-term historical averages. Past performance does not guarantee future results. Markets can and do produce returns significantly above or below historical averages over any given time period. All investing involves risk, including the possible loss of principal.
External Links
This site may contain links to third-party websites, services, or resources. These links are provided for convenience only. ForestMatters, LLC does not endorse, warrant, or assume responsibility for the content, accuracy, privacy practices, or terms of any third-party site. Accessing any linked site is entirely at your own risk.
Changes to This Disclaimer
We may update this disclaimer from time to time. Changes will be posted on this page with an updated date. Continued use of the site after changes are posted constitutes acceptance of the updated disclaimer.