DISCLAIMER

The information presented in this book is for educational and informational purposes only and is not intended as, and shall not be understood or construed as, financial, investment, legal, tax, or any other form of professional advice. While the author holds an MBA with a concentration in Finance and is a licensed real estate professional, no reader should interpret the content as personalized guidance or a substitute for advice from a qualified professional who is aware of your individual circumstances.

Readers are strongly encouraged to consult with their own financial advisors, attorneys, CPAs, and other licensed professionals before making any investment or financial decisions. Any examples, case studies, or figures provided herein are for illustrative purposes only. Past performance is not indicative of future results, and all investing carries risk, including potential loss of capital.

The concepts and strategies outlined in this book represent the personal views, experiences, and frameworks developed by the author. No guarantees are made regarding any specific financial outcomes or results from applying the material discussed.

All content, including but not limited to the text, frameworks, systems, names, graphics, and proprietary terminology (such as The Freedom Portfolio™, Cash Flow Creator System™, Return on Headache™, and The Five Buckets of Tax-Smart Freedom™) is the exclusive intellectual property of Stohler Wealth Systems, LLC, and may not be reproduced, distributed, or used in any form without express written permission.

By reading this book, you acknowledge and agree that neither the author nor Stohler Wealth Systems, LLC is responsible for any actions you may take or refrain from taking based on the information contained herein.