terms & disclosures

Retirement Second Opinion provides educational information and independent perspectives to support informed retirement decision-making. All content, sessions, and materials offered through this site are educational in nature.

We do not provide investment advice, legal advice, tax advice, or financial planning services.

Retirement Second Opinion does not sell financial products, recommend specific investments, manage assets, or receive compensation from third-party providers.

Any discussion of financial concepts, strategies, or considerations is provided for general educational purposes only.

Engaging with Retirement Second Opinion, including participation in Second Opinion sessions, does not create an advisor-client, fiduciary, or professional services relationship.

Visitors and participants are encouraged to consult with appropriately licensed financial, legal, or tax professionals before making any financial decisions.

Retirement Second Opinion operates independently and is not affiliated with any financial institution, brokerage firm, insurance company, or product provider. 

While care is taken to present information clearly and accurately, financial rules, regulations, and individual circumstances vary. Retiree Advocate makes no guarantees regarding the completeness or applicability of information to any specific situation.

Decisions made based on information from this site or related sessions remain the sole responsibility of the individual.

Retirement Second Opinion does not guarantee outcomes, results, or financial performance. The purpose of this work is understanding, clarity, and education — not prediction or assurance. 

These terms and disclosures may be updated periodically to reflect changes in services, regulations, or best practices. Continued use of the site constitutes acceptance of any updates. 

 If you have questions about these terms or the scope of services offered, please contact Retirement Second Opinion directly for clarification before engaging.