Disclosures & Disclaimers

Credentials

We have successfully completed the Certified Financial Planner™ (CFP®) coursework as of August 2025 and are actively pursuing the CFP® designation. At this time, we are not a CFP® professional and do not hold licenses to sell securities or insurance products.

We do not present ourselves as a licensed investment adviser, broker, or insurance agent. Our role is limited to providing financial education, planning frameworks, and decision-support tools.

Scope of Services — Website Use

The information available on this website, including calculators, guides, and educational resources, is provided for general educational and informational purposes only.

When you use this site:

• You are not entering into a client or advisory relationship.
• No personalized financial, investment, tax, or legal advice is being provided.
• You are solely responsible for evaluating the information presented and how you choose to apply it.

Scope of Services — Client Engagements

If you choose to formally engage our services, the specific scope of work, limitations, and responsibilities will be outlined in a separate Engagement Letter.

That agreement will clarify:

• The nature of the educational and planning services provided,
• The absence of investment product sales or securities recommendations,
• The boundaries of our role compared to licensed professionals such as financial advisers, CPAs, or attorneys.

Until such an agreement is executed, your use of this website and related resources does not create an advisory, fiduciary, or client relationship.

No Guarantee of Results

All illustrations, calculators, or projections are for demonstration purposes only. Past performance does not guarantee future results. Financial outcomes depend on many factors beyond planning and cannot be promised or assured.

Client Responsibility

You remain solely responsible for your personal financial decisions. By using this website or engaging our services, you acknowledge that:

• We do not act as your investment adviser, broker, or fiduciary.
• You should consult with qualified professionals — such as licensed financial advisers, CPAs, or attorneys — before making investment, tax, or legal decisions.

Conflicts of Interest

We do not receive compensation from third parties for referrals, product recommendations, or endorsements.

Limitation of Liability

While we make every effort to ensure accuracy, we cannot guarantee that all information on this site or provided through services is complete, current, or free from error. We disclaim liability for any direct, indirect, or consequential damages that may arise from reliance on such information.

By using this website, you agree that reliance on any content is at your own risk.

Intellectual Property

All written content, graphics, and materials on this site are the property of Qlarro Financial unless otherwise credited. They may not be copied, reproduced, or distributed without permission.