Effective September 11, 2026

MOMENTUM FI Toolkit Disclaimer

This disclaimer is the Toolkit’s approved operational baseline. Qualified legal review remains in progress; publication is not a certification of legal compliance.

Educational and entertainment purposes only

The MOMENTUM Financial Independence Toolkit and related content are provided for general educational and entertainment purposes only. They are not financial, investment, tax, legal, accounting, insurance, lending, college-aid, or other professional advice.

Tools provide general decision support using the information you enter and the assumptions described in each experience. An output is not a recommendation or instruction to buy, sell, or hold an investment; borrow, refinance, or repay a debt; enroll in a program; choose or dismiss a professional; or take any other financial or legal action.

No professional relationship

Your use of the Toolkit does not create an adviser-client, planner-client, attorney-client, accountant-client, insurance-producer, lender-borrower, fiduciary, or other professional relationship with Newton Momentum FI LLC, Harlan Landes, or any contributor.

Consult appropriately qualified professionals who can consider your complete circumstances before making an important financial, investment, tax, legal, insurance, lending, or college-aid decision.

Assumptions, accuracy, and risk

Toolkit results are estimates based on simplified models, the information you provide, and assumptions that can change. We do not guarantee that any information or result is complete, current, accurate, suitable for you, or predictive of an outcome. Review the stated assumptions, verify important facts independently, and use your own judgment.

Financial and investment decisions involve risk, including the possible loss of money. Past performance does not guarantee future results. Examples, scenarios, links, and references do not constitute an offer, solicitation, endorsement, or guarantee of any product, service, strategy, institution, or professional.

Third-party information

Third-party websites, services, publications, and data are governed by their own terms and policies. A link or reference does not mean MOMENTUM controls, endorses, or guarantees that third party or its information.

Your responsibility

You are responsible for the information you enter, the decisions you make, and confirming that a tool is appropriate for your circumstances. Do not delay or disregard advice from a qualified professional because of information provided by the Toolkit.

Age eligibility

The Toolkit is intended only for adults age 18 and older. A person under 18 may not create or use a Toolkit account. An authorized adult may provide information about a minor where a college-planning feature permits it.

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