Disclaimer
Last Updated: February 19, 2026
Educational Use Only
OFR provides financial education and planning frameworks only. Nothing on this website, in the tools, in letters, or in sessions is investment, legal, tax, accounting, or other professional advice.
No Personalized Investment Advice
OFR does not provide stock tips, crypto calls, market timing signals, or discretionary portfolio management. You remain solely responsible for all financial decisions and should consult licensed professionals before acting.
Model and Calculator Limitations
All tools use simplified assumptions and are scenario models, not forecasts or guarantees. Actual outcomes may differ materially due to market conditions, taxes, fees, inflation, behavior, policy changes, and personal circumstances.
No Guarantee of Results
Past outcomes, examples, case studies, and testimonials do not guarantee future results. Any projected timeline to financial independence is illustrative only.
Use at Your Own Risk
To the maximum extent permitted by law, OFR disclaims liability for losses, damages, or claims arising from reliance on website content, tools, downloads, or session materials.
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