FINWISE /
FinWise Official Logo
FinWise Quantitative Financial Journal
Home>Financial Disclaimers
Regulatory Disclosure

Financial Disclaimers & Disclosures

Effective Date: October 2, 2026 • Last Updated: October 3, 2026

1. General Disclaimer

The information contained on FinWise (https://thefinwise.site/) is published for general educational, informational, and analytical purposes only. Nothing on this website constitutes personalized investment advice, financial planning, tax guidance, legal counsel, or a specific recommendation to buy, sell, or hold any security, portfolio strategy, or financial product.

2. Not Financial Advice

FinWise is an independent financial research publication, not a registered investment advisor, broker-dealer, or financial planner. The analyses, mathematical models, compound interest calculations, mortgage amortization schedules, Monte Carlo simulations, and retirement projections presented are academic and theoretical in nature. They should not be construed as a guarantee of future performance or a substitute for professional, individualized financial advice.

3. Past Performance

Past performance is not indicative of future results. Historical market data, CAGR figures, backtested portfolio returns, and simulated withdrawal rates cited in our articles reflect conditions that may not recur. All investments carry inherent risks, including the potential loss of principal.

4. No Guarantee of Accuracy

While FinWise strives for accuracy and all articles undergo rigorous peer review by CFA charterholders and financial economists, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, data, charts, or related graphics published on this website. Market conditions, tax laws, interest rates, and regulatory frameworks change frequently; readers should verify all data independently before making financial decisions.

5. Affiliate & Advertising Disclosure

FinWise may receive compensation through third-party advertising networks, including Google AdSense. Some links on our site may be affiliate links, meaning we may earn a commission if you click through and make a purchase or sign up for a service. This compensation does not influence our editorial content, analyses, or recommendations. All opinions expressed are our own and are based on independent research and quantitative analysis.

6. Investment Risk Warning

Investing in securities involves risk. The value of investments can go down as well as up, and you may receive back less than you originally invested. You should be aware of the risks associated with investing including, but not limited to:

  • Market Risk: The risk of losses due to factors that affect the overall performance of financial markets
  • Inflation Risk: The risk that returns may not keep pace with inflation, eroding purchasing power
  • Interest Rate Risk: The risk that changes in interest rates will affect the value of fixed-income investments
  • Sequence of Returns Risk: The risk that the order of investment returns impacts portfolio longevity
  • Concentration Risk: The risk associated with lack of diversification
  • Liquidity Risk: The risk that an investment cannot be readily sold without a substantial loss in value

7. Tax Disclaimer

FinWise does not provide tax advice. Tax laws and regulations are complex and subject to change. The tax implications discussed in our articles are general in nature. You should consult a qualified tax professional or Certified Public Accountant (CPA) for advice specific to your situation.

8. Third-Party Content

FinWise may reference data, research, charts, or analyses from third-party sources including S&P Dow Jones Indices, Federal Reserve, Bureau of Labor Statistics, Vanguard Research, CRSP, and others. These references are for informational purposes only and do not imply endorsement. All trademarks belong to their respective owners.

9. Professional Advice

Before making any investment, borrowing, or retirement planning decisions, we strongly recommend consulting with:

  • A Certified Financial Planner (CFP®) or Registered Investment Advisor (RIA)
  • A Certified Public Accountant (CPA) for tax matters
  • A licensed attorney for legal matters
  • A qualified mortgage broker or lending professional for home financing decisions

10. Contact

For questions about our disclaimers or editorial policies, please contact us at editorial@thefinwise.site or visit our Contact Page.