Financial coaching disclaimer

Financial education and coaching

Convivial Wealth provides financial education and coaching for individuals and couples. Coaching focuses on understanding spending, building money habits, setting goals, and exploring approaches to debt and savings.

No tax, investment, or legal advice

The website, calculators, discovery calls, and coaching services do not provide tax, investment, or legal advice. Coaching does not include tax preparation, audit, review, or compilation services, investment management, or recommendations to buy, sell, or hold particular securities.

Educational discussions of saving, retirement, debt, or investment concepts are not a recommendation that a specific product or strategy is suitable for you. Consult an appropriately qualified tax professional, investment adviser, or attorney for advice tailored to your circumstances before acting on matters in those areas.

Brenna’s CPA credential

Brenna’s CPA credential describes her qualifications. It does not mean that tax, investment, audit, or other services are included in the coaching offered here. This disclaimer does not waive or override any professional duties or regulatory requirements that apply to Brenna or her services.

Website use and inquiries

Browsing this website, using a calculator, or sending an inquiry does not by itself create a professional engagement. Any coaching engagement should be set out in a separate written agreement describing the services, responsibilities, fees, and other terms.

The inquiry form is for a brief introduction. Please do not send account numbers, passwords, Social Security numbers, tax returns, or other sensitive financial documents through it.

Estimates and results are not guarantees

Calculator results and examples are educational estimates based on simplified assumptions and the information you enter. They do not account for every tax, fee, market change, lender rule, or personal circumstance. Actual outcomes may differ, and investment values can fall as well as rise.

No particular savings amount, debt payoff date, investment return, or other financial result is promised. Website information may contain errors or become outdated; check important information before relying on it.

Your decisions and applicable rights

You remain responsible for your financial decisions and actions. Consider your circumstances, verify information, and seek qualified advice where needed rather than relying solely on website content or calculator estimates.

To the fullest extent permitted by applicable law, Convivial Wealth and Brenna disclaim liability for losses arising from reliance on general website content or calculator estimates. Nothing in this disclaimer excludes liability that cannot lawfully be excluded, limits rights that cannot lawfully be limited, or waives applicable professional duties. This website disclaimer does not replace the terms of any separate written coaching agreement.