Investment Disclaimer

No Investment Advice

The information provided by FolioLens is for general informational and educational purposes only. All information is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Not a Registered Advisor

FolioLens is not registered with the Securities and Exchange Commission (SEC) or any state securities regulatory authority. We are not a:

• Registered Investment Advisor (RIA)
• Broker-Dealer
• Certified Financial Planner (CFP)
• Certified Public Accountant (CPA)
• Tax Attorney or Tax Advisor
• Licensed Insurance Agent

Consult Professionals

Before making any financial decisions, you should consult with qualified professionals who can take into account your individual circumstances:

• Investment decisions: Consult a registered investment advisor or financial planner
• Tax decisions: Consult a certified public accountant or tax attorney
• Legal matters: Consult an attorney licensed in your jurisdiction
• Insurance needs: Consult a licensed insurance professional

Tax-Loss Harvesting Considerations

FolioLens provides tools to help identify potential tax-loss harvesting opportunities. However:

• Tax-loss harvesting may not be appropriate for all investors or situations
• Wash sale rules are complex and our analysis may not capture all scenarios
• Tax implications depend on your individual tax situation
• State tax laws vary and may affect the benefit of tax-loss harvesting
• Alternative Minimum Tax (AMT) may impact tax benefits
• Future tax rates and laws may change

Always consult with a tax professional before executing any tax-loss harvesting strategy.

Investment Risks

All investments involve risk, including the possible loss of principal. Important risk considerations include:

• Market Risk: The value of investments may fluctuate due to market conditions
• No Guarantees: Past performance does not guarantee future results
• Diversification: Diversification does not ensure a profit or protect against loss
• Liquidity Risk: Some investments may be difficult to sell quickly
• Inflation Risk: Returns may not keep pace with inflation
• Concentration Risk: Concentrated positions carry additional risk

AI-Generated Insights

FolioLens uses artificial intelligence to generate insights and recommendations. These AI-generated outputs:

• Are based on algorithms and may contain errors
• Should not be relied upon as the sole basis for investment decisions
• May not account for all relevant factors in your situation
• Are for educational purposes only
• Do not constitute personalized investment advice

Data Accuracy

While we strive to provide accurate information, we cannot guarantee:

• Accuracy of market prices or ETF holdings data
• Completeness of portfolio analysis
• Correctness of tax calculations or estimates
• Accuracy of performance calculations
• Reliability of third-party data sources

You should verify all information independently before making decisions.

Third-Party Content

FolioLens may display market data, prices, and other information from third-party sources. We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party providers.

Your Responsibility

By using FolioLens, you acknowledge and agree that:

• You are solely responsible for your investment decisions
• You will conduct your own due diligence before investing
• You understand the risks associated with investing
• You will consult appropriate professionals for advice
• You will not hold FolioLens liable for any investment losses