Investing Disclaimer

1. Education and Planning Only

Everything in Invest Ahead, including the investing tour, guides, account-type explanations, calculators, projections, goal tools, target mixes, “If I add $X” arithmetic, planned contributions and insights, is general educational information and a tool for organizing your own plans. It is not financial, investment, tax, legal or accounting advice, and it isn’t a recommendation, offer or solicitation to buy, sell or hold any investment.

2. Who We Are, and Aren’t

Invest Ahead is not a broker-dealer, investment adviser, financial planner, tax professional, bank or fiduciary, and isn’t registered with the SEC, FINRA or any state or other regulator. We don’t know your full financial situation, and nothing we show is tailored to it. The Service never places trades, moves money or holds assets.

3. Risk

• All investments carry risk, including the possible loss of the money you invest.
• Stocks, funds, bonds and crypto can fall in value, sometimes sharply and for long periods.
• Diversification and regular investing don’t guarantee a profit or protect against loss.
• Past performance does not guarantee future results.

4. Examples, Projections and Assumptions

Calculators, projections and stories (like the tour’s savings-vs-investing race, the “start early” friends and the goal planner) are hypothetical illustrations. They use simple, steady rates: for example 2% a year for a savings account, 3% for inflation and 7% for a broad stock index fund, a common shorthand for its long-run average. They don’t include taxes, fees or inflation unless they say so, and real returns vary year to year, including losses. They aren’t predictions or promises of what any investment will do.

5. Data From Your Accounts

If you link an account, what you see comes from your institution through Plaid. It may be delayed, incomplete or wrong. Your institution’s statements are the official record.

6. Taxes and Rules

Account-type explanations and figures (such as contribution limits) are simplified and can change each year or differ by situation. Check current rules with the IRS, your local tax authority or a qualified professional.

7. Your Responsibility

You’re solely responsible for your investing decisions and their results. Consider your own goals, timeline and risk tolerance, and consider talking with a licensed professional, before you invest. Our liability is limited as described in the Terms of Service.

Questions? Email support@helmlife.app.