Effective Date: April 1, 2026
Last Updated: April 1, 2026

This Earnings & Disclosures page (“Disclosure”) is provided by AffluentHeir, LLC (“AffluentHeir,” “Company,” “we,” “us,” or “our”) and applies to your use of this website and any related content, products, services, resources, educational materials, programs, digital downloads, communications, and offers made available by AffluentHeir.

The purpose of this page is to clearly disclose how we present information about financial topics, income, wealth-building concepts, results, testimonials, affiliate relationships, promotions, and other content so that users can make informed decisions and understand the limits of what is being offered.

By using this website, you acknowledge that you have read and understood this Disclosure.

3. Examples, Illustrations, and Hypothetical Scenarios

From time to time, AffluentHeir may provide examples, sample budgets, hypothetical savings plans, debt payoff scenarios, income illustrations, cash-flow demonstrations, wealth-building concepts, business models, or other educational examples.

These are provided solely to help explain a concept, process, or framework.

They are not:

• Forecasts

• Promises

• Guarantees

• Typical-user results

• Individualized recommendations; or

• Statements of what you will earn, save, build, or achieve.

Hypothetical examples are inherently limited. They do not reflect all real-world variables, constraints, costs, errors, risks, setbacks, taxes, fees, behavior patterns, emergencies, or economic changes that may affect actual performance.

You should not rely on hypothetical examples as a substitute for your own due diligence or professional advice.

4. Testimonials and Success Stories

This website may include testimonials, endorsements, reviews, comments, or success stories from customers, users, clients, readers, or community members.

These testimonials reflect the individual experiences and opinions of those persons. They are not intended to represent or guarantee that current or future users will achieve the same or similar outcomes.

Individual results vary significantly.

Testimonials may be edited for clarity, length, grammar, or formatting, but we do not alter the underlying substance in a misleading way. In some cases, testimonials may be highlighted because they are compelling or illustrative, not because they are typical.

If a testimonial reflects an uncommon or notable result, it should not be interpreted as the average or expected result.

5. No “Typical Results” Claim

Unless expressly stated otherwise, AffluentHeir does not claim that any result shown, referenced, or discussed on this website is typical.

If examples of financial progress, business success, savings milestones, or other outcomes are shared, those examples should be understood as individual situations only. They should not be relied upon as a basis for expectations about your own results.

Your results may be materially different, including worse, delayed, or nonexistent.

6. Personal Responsibility

You acknowledge that you are solely responsible for your own actions, decisions, implementation, use of information, and results.

By using this website, you agree that:

• You are using your own judgment

• You are responsible for conducting your own due diligence

• You are responsible for evaluating whether any strategy, resource, or concept is appropriate for your circumstances; and

• You assume full responsibility for any results, losses, liabilities, or consequences arising from your reliance on website content or purchased materials.

AffluentHeir is not responsible for the success or failure of your personal finances, investments, savings, debt management, business operations, or wealth-building efforts.

7. Financial Risk Disclosure

All financial decisions involve risk. This includes, without limitation:

• Budgeting decisions

• Debt payoff decisions

• Business investments

• Savings strategies

• Real estate decisions

• Retirement contributions

• Insurance decisions

• Investing decisions; and

• Asset allocation choices.

There is always a possibility of loss, underperformance, delay, or unintended consequences.

Even well-designed financial strategies can fail or underperform due to changes in the economy, markets, employment, health, family obligations, legal requirements, consumer behavior, or other circumstances beyond your control.

You should assume that any financial decision has potential downsides as well as potential benefits.

8. No Fiduciary Relationship

AffluentHeir does not act as your fiduciary, financial planner, investment adviser, broker, legal counsel, accountant, or tax preparer unless explicitly stated in a separate written agreement signed by the Company.

No content, communication, email, product, or response from AffluentHeir should be interpreted as creating a fiduciary duty or professional advisory relationship.

Any decision you make remains your sole responsibility.

9. Affiliate Disclosure

Some pages on this website may contain affiliate links. This means that if you click on an affiliate link and make a purchase, AffluentHeir may receive a commission, referral fee, or other compensation at no additional cost to you.

We may participate in affiliate relationships involving books, software, platforms, financial education tools, business tools, productivity systems, services, or other resources that we believe may be useful to our audience.

We do not guarantee your satisfaction with any third-party product or service and are not responsible for:

• Third-party performance

• Product quality

• Policy changes

• Pricing changes

• Functionality issues

• Claims made by third parties; or

• Damages or losses arising from your use of third-party products or services.

You should always perform your own due diligence before purchasing from any third party.

10. Sponsored Content and Promotional Relationships

From time to time, AffluentHeir may publish content that includes brand references, sponsored placements, collaborations, promotions, endorsements, or compensated partnerships.

Where required or appropriate, we will disclose that a post, page, email, feature, or communication is sponsored, paid, gifted, promotional, or part of a business relationship.

Even when compensation is involved, AffluentHeir reserves the right to express honest opinions. However, you should assume that some content may involve a commercial relationship unless clearly stated otherwise.

11. Product and Service Recommendations

Any recommendation of a product, tool, service, book, platform, course, or provider is based on our own opinions, educational viewpoint, brand alignment, or general usefulness to our audience.

Recommendations are not guarantees of suitability, compatibility, profitability, legal compliance, or outcome.

A recommendation should not be interpreted as:

• A guarantee of results

• A warranty of quality

• A certification of safety

• A personalized recommendation for your circumstances; or

• A substitute for professional due diligence.

You remain responsible for evaluating whether any recommended product or service is appropriate for your needs.

12. Third-Party Content and External Resources

This website may reference or link to third-party websites, tools, calculators, resources, articles, platforms, companies, or service providers. Such references are provided for convenience, context, or educational purposes only.

AffluentHeir does not control and is not responsible for the content, policies, availability, data practices, accuracy, legality, or performance of third-party resources.

The inclusion of a third-party reference does not necessarily imply endorsement, approval, or verification.

13. Forward-Looking Statements

Some content on this website may include forward-looking statements, projections, goals, anticipated opportunities, strategic concepts, or potential outcomes. These statements reflect opinions, assumptions, educational examples, or planning frameworks only.

Forward-looking statements are inherently uncertain and subject to risk. Actual results may differ materially from any projected or anticipated outcomes.

You should not place undue reliance on forward-looking content.

14. Business and Entrepreneurial Content Disclosure

AffluentHeir may provide content relating to entrepreneurship, business ownership, digital products, wealth-building, income streams, legacy planning, asset development, and financial strategy.

Business and entrepreneurial outcomes are highly variable and depend on numerous factors beyond our control, including but not limited to:

• Business model

• Pricing strategy

• Market demand

• Skill level

• Marketing execution

• Operational consistency

• Sales ability

• Consumer behavior

• Legal compliance; and

• Access to capital.

No business-related content on this website should be interpreted as a guarantee that you will generate income, build a successful company, or create wealth.

15. Investment and Asset-Related Content Disclosure

If this website references investing, tax planning or preparation, real estate, retirement accounts, market-based assets, insurance products, budgeting or wealth strategies, such content is general in nature and provided for educational discussion only.

Investing and asset ownership involve risk, including the risk of losing principal. Past performance is not indicative of future results. Market conditions change, and laws, regulations, tax treatment, and interest rates can materially impact outcomes.

Nothing on this website should be interpreted as a solicitation, recommendation, endorsement, or offer to buy or sell any security, financial product, real estate asset, insurance product, or investment vehicle.

You must consult licensed and qualified professionals before making investment, tax, or legal decisions.

16. Accuracy and Completeness Disclosure

We strive to present accurate, useful, and current information. However, we do not warrant that all content on this website is accurate, complete, reliable, current, or free of errors.

Information may become outdated due to:

• Changes in law

• Regulatory updates

• Market shifts

• Technology changes

• Business model changes

• Economic conditions; or

• Evolving best practices.

You are responsible for verifying information before relying on it.

17. No Professional-Client Relationship

Your use of this website, purchase of a product, receipt of an email, submission of a form, or interaction with content does not create any professional-client, advisory, counseling, fiduciary, confidential, or similar relationship between you and AffluentHeir.

Unless we enter into a separate written agreement expressly stating otherwise, no such relationship exists.

18. Limitation of Reliance

You agree that any reliance you place on information from this website, our emails, our products, our downloads, or our other communications is at your own risk.

AffluentHeir disclaims liability for losses or damages arising from your reliance on educational content, examples, opinions, strategies, recommendations, projections, testimonials, or third-party references.

You remain solely responsible for how you interpret and apply the information.

19. Affiliate and Testimonial

This page and/or website may contain affiliate links. If you purchase through these links, AffluentHeir, LLC may earn a commission at no additional cost to you.

Testimonials reflect individual experiences and are not guarantees of future results. Your results may vary.