Disclaimer

Last updated: January 2025

Educational purposes only

All content on clausthalit.info is provided for general educational and informational purposes only. It does not constitute financial, investment, tax, accounting, or legal advice, and must not be relied upon as such. We are not a registered investment adviser, broker-dealer, or law firm.

No adviser-client relationship

Reading our content does not create an adviser-client, fiduciary, or professional relationship. Under Section 202(a)(11)(D) of the Investment Advisers Act of 1940, we may rely on the publisher exclusion for bona fide financial publications of general and regular circulation. Registration requirements for advisers compensated for securities advice arise under the Investment Advisers Act of 1940, 15 U.S.C. § 80b-1 et seq.

Risk disclosure

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Retirement savings comparisons may be misleading if not considered with your full circumstances; we strive to avoid unfair or deceptive acts or practices under Section 5 of the FTC Act, 15 U.S.C. § 45. Retirement plan rules, including solo 401(k)s and SEP IRAs, are affected by the SECURE 2.0 Act of 2022, Division T of the Consolidated Appropriations Act, 2023, Pub. L. No. 117-328, and the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq.

Marketing and endorsements

Any testimonials or performance claims are subject to Rule 206(4)-1 (Marketing Rule) under the Investment Advisers Act of 1940, and material connections are disclosed per the FTC Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 C.F.R. Part 255.

Privacy and data

We handle personal information in line with the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801–6809, and the FTC Safeguards Rule, 16 C.F.R. Part 314. California residents have rights under CalOPPA, Cal. Bus. & Prof. Code §§ 22575–22579, and the CCPA as amended by the CPRA, Cal. Civ. Code §§ 1798.100–1798.199.100. See our Privacy Policy for details.

Communications and accessibility

Commercial email complies with the CAN-SPAM Act, 15 U.S.C. §§ 7701–7713. Telemarketing and texts follow the TCPA, 47 U.S.C. § 227. We aim to meet the Americans with Disabilities Act, 42 U.S.C. §§ 12101 et seq., referencing WCAG 2.1 AA.

Consult a professional

Always consult a qualified financial, tax, or legal professional before making decisions.