Legal
Disclaimer
Last updated: August 1, 2026
Not financial advice
Everything on this site is for educational and informational purposes only. I am not a financial advisor, investment adviser, broker, tax professional, accountant, or attorney, and I am not registered or licensed to give financial advice in Canada, the United States, the European Union, or any other jurisdiction. Nothing here is personalized financial, investment, tax, legal, retirement, insurance, or accounting advice, and nothing is a recommendation to buy, sell, or hold any security, account, product, or strategy.
Your situation is specific to you. Before acting on anything you read here, do your own research and, where appropriate, consult a qualified professional who can look at your full circumstances.
No guarantees, and risk
All investing involves risk, including the possible loss of principal. Past performance does not predict future results. Figures, backtests, and projections on this site are illustrative, rely on historical data and stated assumptions, and will not match your real-world outcome. Specific funds, tickers, platforms, and tools are mentioned only as examples, never as endorsements, and comparable alternatives exist.
Accuracy
I try to check every number against a primary source, but I make no warranty that the content is complete, current, or error-free. Data and links may become outdated. If you spot a mistake, tell me and I will fix it.
Opinions are my own
The views expressed here are my own and do not represent my employer or any organization I am affiliated with. All examples are drawn from public information.
Affiliate links and advertising
The site does not currently run advertising or affiliate links. If either is added later, it will be disclosed, and it will never change the analysis or the sources behind it.
Data and privacy
This is a personal blog. It does not require an account and does not collect personal information you do not volunteer. I use privacy-respecting, aggregate web analytics (which may include Google Analytics and/or Cloudflare Web Analytics) to see which articles are read; this records non-identifying data such as page views, referrers, approximate region, and device type, and you can block it with any standard content blocker. External links point to sites with their own privacy practices, which I do not control. See the full Privacy Policy for details.
Use at your own risk
By using this site you agree that I am not liable for any loss or damage arising from your use of, or reliance on, its content. If you do not agree, please do not use the site.