Disclaimer

This website is owned and operated by La Paz Wealth ("La Paz Wealth," "we," "us," or "our"), a Michigan-based limited liability company. All information, content, and materials available on peaceplanning.com are provided for general educational and informational purposes only.

By accessing or using this website, you acknowledge and agree to the terms and limitations described in this Disclaimer. If you do not agree with any part of this Disclaimer, please discontinue use of our website immediately.

No Investment or Financial Advice

The content on this website—including but not limited to articles, blog posts, calculators, worksheets, videos, podcasts, and other resources—is provided for general educational purposes only and does not constitute personalized investment advice, financial advice, tax advice, or legal advice.

Important:

• Nothing on this website should be construed as a recommendation to buy, sell, or hold any specific investment or security
• Information presented is not tailored to your individual financial situation, goals, risk tolerance, or needs
• We do not provide tax preparation services, and our content should not be relied upon for tax planning or filing purposes
• We do not provide legal advice, and you should consult a licensed attorney for legal matters

Before making any financial, investment, tax, or legal decisions, you should consult with qualified professionals—such as a registered investment adviser, certified public accountant (CPA), enrolled agent (EA), or attorney—who can provide advice based on your specific circumstances.

No Client Relationship

Visiting this website, reading its content, downloading materials, subscribing to our newsletter, or contacting us via email or contact form does not create a client-advisor relationship, nor does it establish any fiduciary duty or confidential relationship between you and La Paz Wealth.

A formal advisory relationship is established only when:

• We have conducted an initial consultation to understand your needs and determine if we are a good fit
• Both parties have mutually agreed to work together
• A written engagement agreement or service contract has been signed by both parties

Until such time as a written agreement is executed, no advisory relationship, fiduciary obligation, or duty to provide personalized advice exists.

Accuracy and Liability

While we strive to provide accurate, current, and reliable information, La Paz Wealth makes no representations or warranties of any kind—express or implied—regarding the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics contained on this website.

Financial information, market data, tax laws, and regulations are subject to change without notice. Content on this website may not reflect the most current legal, regulatory, or market developments. We reserve the right to update, modify, or remove content at any time without prior notice.

Limitation of Liability:

To the fullest extent permitted by applicable law, La Paz Wealth, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or reliance on information contained on this website
• Errors, omissions, or inaccuracies in website content
• Any decision or action taken in reliance on information provided on this website
• Loss of profits, revenue, data, or business opportunities
• Interruptions or delays in website availability or functionality

Your use of this website and reliance on any information provided is solely at your own risk. We strongly encourage you to seek professional advice before making any financial decisions.

External Links

This website may contain links to external websites, resources, blogs, tools, or services that are not owned, operated, or controlled by La Paz Wealth. These links are provided solely for your convenience and educational benefit.

We do not:

• Endorse, recommend, or guarantee the accuracy, completeness, or reliability of third-party content
• Control the privacy practices or terms of use of external sites
• Accept responsibility or liability for any content, products, services, or practices of third-party websites

We encourage you to review the terms of use and privacy policies of any external websites you visit. Your interactions with third-party sites are governed solely by the terms and policies of those sites, and La Paz Wealth assumes no responsibility for such interactions.

Endorsements and Third-Party References

From time to time, we may reference or discuss third-party products, services, tools, software, financial institutions, or educational resources on this website. Such references are provided for informational and educational purposes only.

Unless explicitly stated otherwise, any mention of third-party products or services does not constitute:

• An endorsement or recommendation to purchase, use, or rely upon such products or services
• A guarantee of quality, performance, suitability, or reliability
• An indication that we have a business relationship, partnership, or affiliation with the referenced entity

You should conduct your own independent research and due diligence before engaging with any third-party product, service, or financial institution. We are not responsible for your interactions with third parties or for the quality, accuracy, or performance of their offerings.

Professional Certifications and Registration

The founder of La Paz Wealth is currently pursuing the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, which is administered by the Certified Financial Planner Board of Standards, Inc. (CFP Board). Until such certification is obtained and maintained, references to CFP® pursuits are for informational purposes only and do not imply current certification status.

La Paz Wealth is not a Registered Investment Adviser (RIA) and does not provide investment management, portfolio management, or securities brokerage services. We provide comprehensive financial planning services, education, and guidance to help individuals and families make informed financial decisions.

If and when registration or licensure status changes, this Disclaimer will be updated accordingly. Registration with any regulatory authority does not imply a certain level of skill or training, nor does it constitute endorsement by such authority.

No Guarantee of Results

Past performance is not indicative of future results. Any examples, case studies, hypothetical scenarios, or success stories presented on this website are for illustrative and educational purposes only. Individual results will vary based on personal circumstances, market conditions, economic factors, and other variables beyond our control.

We make no guarantees, promises, or warranties regarding specific financial outcomes, investment returns, tax savings, or any other results you may or may not achieve by following information or advice provided on this website or through our services.

Jurisdiction and Scope

La Paz Wealth operates primarily in the State of Michigan. Content on this website is intended for a general audience and may not be applicable or suitable for individuals or entities located outside the United States.

Financial regulations, tax laws, and legal requirements vary by state, country, and jurisdiction. Information provided on this website may not be relevant or accurate for your specific location. If you are accessing this website from outside the United States, you are responsible for ensuring compliance with local laws and regulations.

Changes to This Disclaimer

La Paz Wealth reserves the right to modify, update, or revise this Disclaimer at any time, at our sole discretion, without prior notice. When changes are made, we will update the "Last updated" date at the top of this page.

Your continued use of this website after any modifications to this Disclaimer constitutes your acceptance of the updated terms. We encourage you to review this Disclaimer periodically to stay informed of any changes.

Contact Information

If you have any questions, concerns, or feedback regarding this Disclaimer, please feel free to contact us: