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Last updated: September 14, 2018

No reliance:

The authors of this content (referred to as ‘we’ or ‘us’ for the remainder of this disclaimer) assume no responsibility for errors or omissions in the contents on the Service.
In no event shall the author(s) of this content be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. We reserve the right to make additions, deletions, or modification to the contents on the Service at any time without prior notice.

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Do your Own Research:

The information contained on this website (the “Service”) is for general information purposes only.
Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.

No Investment Advice:

We are not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for the giving or receiving of financial advice, advice concerning investment decisions or tax or legal advice. We are not regulated by the Financial Services Authority.
We are an educational site for analyzing, learning about general and generic information related to the Thrift Savings Plan distribution strategies. No content on the site constitutes – or should be understood as constituting – a recommendation to enter in any transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalized recommendations or views as to whether a stock or investment approach is suited to the financial needs of a specific individual. Additionally we will NOT advise you personally concerning the nature, potential, value or suitability of any particular investment, security, portfolio of securities, transaction, investment strategy or other matter. Accordingly, do not attempt to contact us seeking personalized investment advice, which we cannot provide. is not a monitored email address.
Past performance is no guarantee of future results. Investments are subject to risk, and any of the indicated investment strategies may lose money.

Individual Empowerment, not Hand-Holding:

Where we offer valuation tools, these are solely for informational & educational purposes so that users can easily run their own valuations. The pee-defined values are simply a starting point based on global assumptions that we have applied across the data available to us – users should amend them as they see fit and not regard them as a substitute for their own judgment. Any resulting valuation outputs are necessarily generic and are not endorsed for a given stock by us.

Errors and Omissions:

WE assume no responsibility or liability for any errors or omissions in the content of this site. The information contained in this site is provided on an “as is” basis with no guarantees of completeness, accuracy, usefulness or timeliness


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FTC Publishes Final Guides Governing Endorsements, Testimonials October 5, 2009 States: “…bloggers who make an endorsement must disclose the material connections they share with the seller of the product or service…”.

WE currently receive NO cash or in-kind payment from any seller of any or product or service. Except from the utilization of free and publicly available data and services from third parties. We are not endorsed by nor do we endorse these third parties.


The methods of automation, and methods and processes used to generate analysis and reports found on this site remain the intellectual property of the authors of those methods and processes.

Site-wide Creative Commons license (all content that we have authored and have made available to the public at:

Creative Commons License
Original content is licensed under Creative Commons Attribution-ShareAlike 4.0 International License .
Based on work from many sources, reasonable efforts will be made to attribute sources. .