Disclaimer & advertising disclosure

1. General information only

All content on scofiabarrk.com — guides, glossary entries, frequently asked questions, tables, diagrams and any other material — is published for general information and educational purposes. It describes concepts, terminology and commonly used frameworks. It does not consider your objectives, income, assets, liabilities, tax position, family circumstances, health, employment, residency or risk tolerance, and therefore cannot be appropriate for you as a matter of logic, not merely as a matter of legal caution.

2. No professional relationship

Creators S uck At Taxes LLC, trading as Scof Iabarrk, is not:

• a registered investment adviser under the Investment Advisers Act of 1940 or any state equivalent;
• a broker-dealer registered with the SEC or a member of FINRA or SIPC;
• a licensed insurance producer, agent or broker;
• a certified public accountant, enrolled agent or tax return preparer;
• a law firm, and no member of our team acts as your attorney.

Reading this website, contacting us, or receiving a reply from us does not create an advisory, fiduciary, brokerage, agency, accountant-client or attorney-client relationship. We do not accept clients, manage assets, hold funds, execute transactions or provide personalised recommendations of any kind.

3. Investment disclaimer

• Not a recommendation. Nothing on the Site is an offer, solicitation or recommendation to buy, sell or hold any security, fund, product or strategy.
• Risk of loss. All investing involves risk, including the possible loss of the entire amount invested. Some strategies carry the risk of loss exceeding the amount invested.
• No performance claims. We publish no projected returns, price targets, income guarantees or hypothetical growth figures presented as expectations. Past performance does not indicate future results.
• Illustrations are illustrations. Any allocation, portfolio or figure shown in a guide is a teaching example used to demonstrate a concept. It is not a model portfolio, a target or a suggestion, and it should not be replicated.
• Diversification is not protection. Diversification and rebalancing help manage risk. They do not ensure a profit or protect against loss in a declining market.
• No market timing. We do not forecast markets, interest rates, asset prices or economic conditions.

4. Tax disclaimer

Tax content on this Site describes general concepts, chiefly in a United States context. We are not tax professionals and this is not tax advice. Tax law is complex, changes frequently, differs between federal and state levels, and applies differently depending on personal circumstances. We deliberately avoid quoting rates, thresholds and contribution limits, because they change and readers find outdated figures years after publication.

Verify current rules at IRS.gov, your state tax authority, or with a qualified tax professional before taking any action with tax consequences. Nothing here is intended or written to be used, and cannot be used, for the purpose of avoiding tax penalties.

5. Legal and estate disclaimer

Estate planning content describes general concepts and common document types. It is not legal advice. Estate, probate, trust and property law in the United States is primarily state law and varies substantially between states. Documents that are valid in one state may be ineffective in another, and small drafting or execution differences can change outcomes entirely. Consult a licensed attorney in your own jurisdiction before creating, signing, funding or amending any legal document.

6. Insurance disclaimer

We do not sell, broker, place or recommend insurance and receive no compensation from any insurer. Insurance content describes general categories of cover and the concepts behind them. Policy terms, definitions, exclusions, availability, underwriting and regulation vary by insurer and by state. Only the policy document governs what is covered. Speak to a licensed insurance professional about your own needs.

7. Accuracy and currency

We take reasonable care to ensure content is accurate at the time of publication and we review it periodically — each guide carries published and last-reviewed dates. We make no warranty that content is accurate, complete, current or free from error. Rules, thresholds and industry practice change, sometimes with immediate effect and sometimes retroactively. If you find an error, please tell us at info@scofiabarrk.com; our editorial policy explains how we handle corrections.

8. Jurisdiction

Scof Iabarrk is published from the United States, and content dealing with accounts, taxation, regulation and estate law is written with reference to the United States. It may be inaccurate, inapplicable or misleading if applied elsewhere. The Site is not directed at any person in any jurisdiction where publication or availability would be contrary to local law. If you are outside the United States, treat jurisdiction-specific material as background context only.

9. Third-party content and links

Our guides link to third-party resources, including government, regulator and professional body websites. These links are provided for convenience. We do not control third-party sites, do not endorse them, and are not responsible for their content, accuracy, availability or privacy practices. Links may change or break over time.

10. Advertising disclosure

Scof Iabarrk is free to read and funded by advertising. We state this plainly because how a publisher earns money is the most useful single fact a reader can know about it.

The arrangement works as follows:

• Advertisements are supplied by third-party advertising networks and partners. They select and serve the advertisements you see, subject to your cookie choices. We do not individually approve each advertiser.
• Advertising is separate from editorial. Advertisers do not see content before publication, cannot commission or approve guides, cannot request changes, and cannot have material amended or removed.
• No advertiser has ever paid for coverage on this site, and we do not accept sponsored articles, paid placements presented as editorial, or paid links.
• An advertisement is not an endorsement. The appearance of an advertisement next to our content does not mean we recommend, vouch for, or have investigated the advertiser, their products, their claims or their regulatory standing.
• Advertisements are distinguishable from editorial by position and labelling where the format allows.
• We do not control advertising claims. If an advertisement makes a claim about returns, guarantees or performance, that claim is the advertiser's, not ours, and should be treated with the same scepticism our guides encourage everywhere else.

If you are considering a financial product or service you saw advertised here, evaluate it on its own merits, read the provider's own documentation, and verify their registrations using the free public databases listed in our advisor verification section. Any dealings are solely between you and the advertiser.

Cookie-based advertising can be declined at any time via cookie settings. See our cookie policy for detail.

11. Affiliate and compensation disclosure

As at the effective date of this page, Scof Iabarrk:

• operates no affiliate programme relationships and earns no affiliate commission from links in our content;
• receives no referral fees, finder's fees or revenue share from any advisor, advisory firm, custodian, platform, fund provider, insurer or product manufacturer;
• sells no products or services of its own — no courses, subscriptions, tools or memberships;
• accepts no payment for inclusion, ranking or favourable mention of any company or product.

Should any of this change in future, we will disclose it clearly on this page and on any affected content before the arrangement takes effect.

12. Testimonials and performance

We publish no client testimonials, endorsements, success stories or case studies, because we have no clients. Any figure, allocation or scenario appearing in our content is illustrative and hypothetical, and is labelled as such. Hypothetical illustrations have inherent limitations: they are prepared with the benefit of hindsight, do not reflect actual trading, and do not account for the financial risk or the emotional experience of an actual investor.

13. Limitation of liability

To the fullest extent permitted by law, Creators S uck At Taxes LLC and its members, managers, officers, employees, contractors and agents accept no liability for any loss or damage — direct, indirect, incidental, consequential, special or punitive — arising from your use of, or reliance on, this website or any content on it, including any decision made or action taken on the basis of information published here. Full terms are in our terms of service.

You are responsible for your own financial decisions. That is not an attempt to shift blame; it is a statement of fact about what a website can and cannot do for a reader it has never met.

14. Contact

Questions about this disclaimer, or about how we are funded:

Creators S uck At Taxes LLC
17155 Newhope St Ste J
Fountain Valley, California 92708-4232
United States
Email: info@scofiabarrk.com
D-U-N-S® Number: 11-917-8574