This website (“Website”) is a non-professional and personal publication of Jack David Brown (“JDB”), who is an individual. Views on this website are his alone and do not reflect the views of anyone else or any business or entity he is affiliated with. This site may contain links to third party content, which he does not warrant, endorse, or assume liability for. The publication of this Website should not be construed as solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Each user of this Website (“User”) is encouraged seek advice from a qualified and licensed professional regarding investing and other financial matters.
JDB does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Website or otherwise incorporated into this Website and takes no responsibility for such content. All such information is provided solely for convenience, educational, and informational purposes only. Third-party sites that are directly or indirectly linked to this Website may collect information, including personal information relating to Users’ online activities over time and across different websites and other online services. JDB does not control a third-party’s collection or use of personal information or tracking technologies. If any User accesses any economic calculator or similar interactive device contained within or linked to the Website, the User acknowledges that the information resulting from the use of any such calculator/device, is not, and should not be construed, as the receipt of, or a substitute for, personalized individual advice from JDB, or from any investment professional.
Due to various factors, including changing market conditions, that information may no longer be reflective of current opinions. While information presented is believed to be factual and up to date, JDB does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from JDB or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced in the Website content. JDB is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.
Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless JDB and any related party, business or entity from all adverse consequences resulting from any actions or omissions related to this Website that are independent of receiving personalized individual advice from JDB. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.