Disclaimer

1. Educational Purpose Only

All content on FiscalStrong, including articles, calculators, state tax data, charts, and any other materials, is provided strictly for general informational and educational purposes only. The content is not intended to be a substitute for professional tax advice, legal advice, financial advice, investment advice, or accounting advice. You should not rely on any information on this site as the sole basis for making financial, tax, legal, or investment decisions.

FiscalStrong does not provide personalized advice. Every individual's tax and financial situation is unique. What is appropriate for one person may be entirely inappropriate for another. Always seek the advice of a qualified licensed professional with any questions you may have regarding your specific situation.

2. Verify All Information Before Acting

Tax laws, contribution limits, deduction thresholds, and state tax rates change frequently — sometimes multiple times per year. While we make every effort to keep our content current, we cannot guarantee that any information on this site reflects the most recent changes.

Before taking any action based on information from FiscalStrong, including but not limited to filing taxes, making retirement contributions, realizing capital gains, buying a home, or relocating to another state, you must:

• Verify current rates, limits, and rules with official sources such as the IRS (irs.gov), your state's Department of Revenue, or the Social Security Administration.
• Confirm that the information still applies to the current tax year and your specific situation.
• Consult a licensed CPA, tax attorney, or qualified financial advisor who can review your complete financial picture.
• Review official IRS publications, forms, and instructions for the tax year in question.

3. No Professional Advice & No Fiduciary Relationship

FiscalStrong is operated by an educational publishing team. We are not attorneys, certified public accountants (CPAs), certified financial planners (CFPs), registered investment advisors, insurance agents, or any other type of licensed professional. Nothing on this site constitutes the rendering of professional services or establishes any advisor-client, attorney-client, or fiduciary relationship between you and FiscalStrong or its operators.

You should consult a qualified, licensed professional in your jurisdiction before implementing any strategy described on this site. A list of qualified professionals can be found through:

• Your state's Board of Accountancy for licensed CPAs
• Your state bar association for licensed tax attorneys
• The CFP Board's "Find a CFP® Professional" tool at letsmakeaplan.org
• The National Association of Personal Financial Advisors (NAPFA) for fee-only fiduciary advisors
• The IRS Directory of Federal Tax Return Preparers at irs.gov

4. No Warranty of Accuracy

While we make good-faith efforts to ensure the accuracy of the information presented, FiscalStrong makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, calculators, or related graphics contained on this site. Any reliance you place on such information is strictly at your own risk.

Calculators on this site are simplified planning tools. They use simplified assumptions and do not account for every variable that affects your actual tax liability, mortgage payment, retirement income, or other financial outcomes. Calculator results may differ materially from your actual tax liability or financial outcomes.

5. Limitation of Liability

In no event will FiscalStrong, its operators, authors, or affiliates be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this site or reliance on any information presented here.

Through this site, you may be able to link to other websites which are not under the control of FiscalStrong. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

6. Tax Law Changes Frequently

U.S. federal and state tax laws change frequently. Major recent changes include:

• Tax Cuts and Jobs Act (TCJA) of 2017, Many provisions are scheduled to sunset after 2025, which could significantly change tax brackets, the standard deduction, the SALT cap, and other rules.
• SECURE Act 2.0 (2022), Changed 401(k) catch-up rules, introduced super catch-up for ages 60-63, and modified RMD ages.
• IRS Annual Inflation Adjustments, Federal tax brackets, standard deductions, IRA/401(k) contribution limits, and other figures are adjusted annually each fall for the following tax year.
• State Law Changes, Many states revise their income tax rates, sales tax rates, and deductions annually.

Always check the IRS website (irs.gov) and your state's Department of Revenue website for the most current rules and rates before filing taxes or making financial decisions.

7. Investment Risk Disclosure

Any references to investments, investment strategies, securities, or financial products on FiscalStrong are for educational purposes only and do not constitute investment advice or a recommendation to buy, sell, or hold any security. Investments involve risk, including the potential loss of principal. Past performance does not guarantee future results.

You should consult a qualified financial advisor and/or conduct your own research before making any investment decisions. FiscalStrong is not registered with the SEC or any state securities regulator as an investment advisor.

8. No Attorney-Client Relationship

Nothing on FiscalStrong constitutes legal advice or creates an attorney-client relationship. If you need legal advice regarding tax matters, estate planning, business formation, or any other legal issue, consult a licensed attorney in your jurisdiction.

9. Third-Party Resources

FiscalStrong references and links to third-party resources including IRS publications, Tax Foundation research, and state Department of Revenue websites. We are not responsible for the accuracy or timeliness of information on third-party sites. Always verify information from third-party sources against the original official source.

10. Advertising Disclosure

FiscalStrong displays advertising, including Google AdSense advertising, to support our operations. Advertising is clearly distinguished from editorial content. Advertising does not influence our editorial content, and we do not endorse any product or service advertised on the site. We may earn revenue from clicks on ads or referrals to third-party services, but this does not affect the price you pay or our editorial independence.

11. Geographic Limitations

FiscalStrong primarily covers United States federal tax law and state tax laws for the 50 U.S. states and the District of Columbia. If you are located outside the United States, the information on this site may not apply to your situation. Tax treaties, foreign tax credits, and the tax laws of other countries are not covered on this site.

12. Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the site after any changes constitutes acceptance of the modified disclaimer.

13. Contact

If you have any questions about this disclaimer, please contact us at [email protected].