Retire Wealthier
Disclaimer & Terms of Use:
1. Who We Are
Retire Wealthier (“we,” “us,” or “our”) provides free educational content about personal finance, investing, and retirement savings for a Canadian audience, distributed through our website, social media (including Instagram), and any tools or calculators we publish (the “Content” and “Services”). By using our website, tools, or social media content, you agree to the terms below.
2. Educational Purpose Only
All Content and Services, including any calculators, are provided for general educational and informational purposes only. They are designed to help you understand concepts such as TFSAs, RRSPs, RESPs and FHSAs, and to illustrate how account order and tax brackets can affect your savings. They are not a substitute for personalized advice from a qualified professional.
3. Not Financial, Tax, or Legal Advice
Nothing on this website, in our calculators, or in our social media content constitutes financial, investment, tax, accounting, or legal advice, or a recommendation to buy, sell, or hold any security or financial product. We are not registered financial advisors, portfolio managers, or tax professionals, and no part of our Content should be relied upon as such.
You should consult a licensed financial advisor, accountant, or tax professional who is familiar with your individual circumstances before making any financial decision.
4. No Advisor-Client Relationship
Using our website, calculators, or following us on social media does not create an advisor-client, fiduciary, or other professional relationship between you and Retire Wealthier, its founders, or any contributors.
5. Calculators and Tools
Any calculator or interactive tool we provide (including our “Which account should you fill first?” tool) produces estimates only, based on simplified assumptions and publicly available federal and provincial tax bracket data for the stated tax year. These tools:
- Do not account for all available tax credits, deductions, benefits, or surtaxes (for example, the Ontario Health Premium and most personal tax credits are excluded).
- Rely on tax bracket data that changes annually and may not reflect the most current rates at the time you use the tool.
- Do not know your full financial picture, including your debts, existing savings, employer benefits, pension entitlements, RRSP contribution room, health, age, or long-term goals.
- They are not a guarantee, projection, or promise of any specific outcome, tax savings, or investment return.
Results should be treated as a starting point for your own research and discussion with a qualified professional, not as a final recommendation.
6. No Guarantee of Accuracy
We aim to keep our Content and calculators accurate and up to date, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided. Tax laws, contribution limits, and account rules change over time and may vary based on your personal situation and province or territory of residence.
7. Limitation of Liability
To the fullest extent permitted by law, Retire Wealthier, its founders, employees, and contributors will not be liable for any loss or damage, including without limitation indirect or consequential loss or damage, or any loss or damage arising from loss of data or profits, arising out of, or in connection with, the use of our website, Content, calculators, or social media posts.
You use our Content and Services at your own risk. Any financial decisions you make based on information from Retire Wealthier are your own responsibility.
8. Your Responsibility
You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided, and for any decisions you make based on it. Before acting on any information from Retire Wealthier, you should independently verify it and seek professional advice tailored to your circumstances.
9. Third-Party Links and Content
Our website and social media content may reference or link to third-party websites, tools, brokerages, or products (for example, financial institutions or investment platforms). We do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites or services.
10. No Guarantee of Results
Any references to potential savings, returns, or outcomes (including illustrative figures such as “over 50% wealthier”) are hypothetical and for illustration only. Past performance and hypothetical examples are not indicative of future results. Investing involves risk, including the possible loss of principal.
11. Changes to This Disclaimer
We may update this Disclaimer and Terms of Use from time to time without prior notice. The version posted on our website at the time you access our Content will govern.
12. Governing Law
This Disclaimer is governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.
13. Contact Us
Questions about this Disclaimer can be sent to info@retirewealthier.com or via our Instagram, @retire.wealthier.