Important Disclosures

LadderUp is a research and educational tool, not a financial planning or investment advisory service. The information, simulations, projections, and other outputs provided by this website are intended solely to illustrate the LadderUp retirement-planning framework and should not be considered personalized investment, financial, tax, legal, or accounting advice.

LadderUp does not provide investment recommendations, execute transactions, manage assets, or act as an investment adviser, broker-dealer, fiduciary, or financial planner. Nothing on this website constitutes an offer to buy or sell, or a solicitation of an offer to buy or sell, any security or financial product.

Model results are hypothetical and depend on assumptions. Projections are generated using mathematical and statistical models, including Monte Carlo simulations, and rely on assumptions regarding investment returns, inflation, interest rates, longevity, Social Security benefits, taxes, and other factors. Actual outcomes may differ materially from simulated results. No model can predict future market conditions, and no projected retirement date, income level, portfolio value, Security Ratio, or other result is guaranteed.

Historical market data and estimated return distributions do not guarantee future performance. Simulated results may not capture all risks, market conditions, investor behavior, transaction costs, taxes, liquidity constraints, or other factors that could affect an actual household.

References to Treasury Inflation-Protected Securities (TIPS), equities, Social Security, or other assets and income sources are part of the research framework and should not be interpreted as recommendations to purchase or sell particular securities. Treasury securities are subject to market-value fluctuations prior to maturity, and their real-world outcomes may be affected by interest rates, inflation adjustments, taxation, transaction costs, liquidity, and the timing of purchases and sales.

Social Security estimates are based on current rules and assumptions and may differ from actual benefits. Laws, regulations, tax rules, Social Security provisions, and financial-market conditions may change over time.

Users are responsible for reviewing the assumptions entered into the model and determining whether they are appropriate for their circumstances. Before making investment, retirement, tax, or other financial decisions, users should consider consulting qualified financial, tax, and legal professionals.

LadderUp and its creators make no representation or warranty regarding the accuracy, completeness, or suitability of the information or model outputs for any particular purpose and accept no responsibility for financial decisions made based on the use of this research prototype.