Disclaimer

Educational platform — not financial advice

Gazillioner is an educational and journaling platform for individual investors. We are not a registered investment advisor (RIA), broker-dealer, financial planner, tax professional, attorney, or fiduciary. Nothing on this site — including the Financial Quotient (FQ) Assessment, AI Advisor, calculators, thesis tracker, or any article, video, or tool — constitutes investment, tax, legal, or accounting advice.

Content here is for general informational and educational purposes only. It should not be relied on as the primary basis for any investment, tax, or financial decision. Before acting on anything you read or calculate here, consult a licensed Certified Financial Planner (CFP), Certified Public Accountant (CPA), or attorney who knows your specific situation.

No recommendations to buy, sell, or hold

When the site mentions specific securities, tickers, sectors, or strategies (for example in case studies, featured-investor profiles, or learning examples), those mentions are illustrative only. They are not buy, sell, or hold recommendations. They are not solicitations to enter into any trade. Examples are chosen to teach a concept — not to tell you what to do with your money.

Investment risk — you can lose money

• All investing involves risk, including possible loss of principal.
• Past performance is not indicative of future results.
• Returns shown by calculators or projections are hypothetical and based on assumptions you (or we) input. Real outcomes will differ — sometimes by a lot.
• Leveraged products (single-stock ETFs, leveraged ETFs, options) carry compounding decay, path dependency, and tail risk that simple back-tests cannot capture.
• Diversification reduces risk; it does not eliminate it.

No personalized recommendations

The FQ Assessment and AI Advisor produce general feedback based on the information you provide. They do not know your full financial picture, tax situation, employer benefits, family obligations, health, or risk tolerance. Their output is a starting point for your own thinking and conversations with a licensed professional — not a substitute for that conversation.

Tax content

Tax laws change frequently and vary by jurisdiction and individual circumstance. Tax-related content on this site (including but not limited to retirement account, Roth conversion, harvest-loss, and real-estate tax pages) is general education, not tax advice. Speak to a CPA or tax attorney before making decisions with tax consequences.

Third-party content and links

Gazillioner may link to or reference third-party tools, articles, books, brokerages, and data providers. We do not endorse, control, or guarantee the accuracy of third-party content. Use it at your own risk.

No fiduciary duty

Using Gazillioner does not create a fiduciary, advisory, agency, or attorney-client relationship between you and Gazillioner, its founders, employees, or contributors.

Founder is an individual investor — not an advisor

Gazillioner is built by an individual investor sharing a personal system after personal losses. Their experience does not guarantee yours. The system that works for one self-funded individual using a Schwab account on a long horizon may be wrong for you.

Forward-looking statements

Any statements about future markets, sectors, returns, or company prospects are opinions and forward-looking statements. They are subject to change without notice and may turn out to be wrong.

Limitation of liability

To the maximum extent permitted by law, Gazillioner and its founders, contributors, and affiliates accept no liability for losses, damages, or costs arising from the use of this site, its content, or its tools. Your investment decisions are yours.

Questions

For questions about this disclaimer, see the About page.