Terms of Use

Last updated: [insert date]. This is a starting template — have a lawyer review it before relying on it.

Educational Content Only

Firefighter Advocate (firefighteradvocate.com), its calculators, videos, and downloadable guides are provided for educational and informational purposes only, based on personal experience as a firefighter. Nothing on this site constitutes financial, tax, legal, or investment advice, and nothing here is personalized to your individual circumstances.

No Fiduciary Relationship

Using this site, its calculators, or contacting Marcel through the contact form does not create a financial advisor-client, attorney-client, or fiduciary relationship. Always consult a licensed financial advisor, tax professional, or attorney before making decisions about your retirement, investments, or legal matters.

Calculators Are Illustrative Only

The interactive calculators on this site use simplified assumptions (constant contribution amounts, constant rates of return, no fees or taxes deducted) to illustrate concepts. They are not projections, guarantees, or personalized financial plans. Real investment returns vary and involve risk, including loss of principal.

Views Are Personal

Views expressed on this site and associated YouTube/social channels are Marcel's own and do not represent the views, policies, or positions of his employer or fire department.

No Guarantee of Outcomes

References to specific dollar figures, retirement ages, or outcomes are examples based on stated assumptions and do not guarantee that you will achieve similar results.

Changes to These Terms

These terms may be updated from time to time. Continued use of the site after changes means you accept the updated terms.

Contact

Questions: marcel@firefighteradvocate.com.