Terms of Use

Educational content only

Everything on GuidingRetirees.com is for general education. It is not personalized financial, tax, legal, or insurance advice. Your situation is specific to you — always verify with a licensed professional before acting on anything you read here.

No client relationship

Reading this site, submitting a question, or having a phone conversation with Ebby does not create an advisory, brokerage, fiduciary, attorney, or accountant relationship.

Accuracy

Tax law, Social Security rules, Medicare, and estate law change. We try to keep this content current but cannot guarantee it is error-free or up to date at any given moment.

Third-party links

We sometimes link to outside resources (SSA.gov, IRS.gov, etc.). We are not responsible for the content or accuracy of those sites.

Limitation of liability

To the maximum extent permitted by law, GuidingRetirees.com and Michael Eberhardt Sr. are not liable for any losses, costs, or damages arising from your use of this site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Arizona.