Disclaimer

Last updated: May 26, 2026

Data by Kevin provides educational planning tools, model outputs, sample reports, and personalized decision-support reports based on user-provided assumptions. The content is intended to help users organize retirement and portfolio planning questions, not to provide individualized professional advice.

1. Educational and informational use only

The website, tools, projections, charts, Monte Carlo simulations, portfolio assumptions, tax-aware withdrawal illustrations, and reports are provided for educational and informational purposes only. They are not a substitute for advice from a qualified professional who understands your full financial, tax, legal, and personal circumstances.

2. Not financial, investment, or retirement advice

Data by Kevin does not recommend that you buy, sell, hold, or avoid any security, fund, asset class, investment strategy, retirement strategy, tax strategy, or withdrawal strategy. Any portfolio or retirement scenario shown is for illustration and decision-support only.

3. No tax, legal, or accounting advice

Tax-aware withdrawal examples, account sequencing, RRSP/RRIF, TFSA, taxable account, CPP, OAS, and related calculations are simplified planning illustrations. They may not reflect your actual tax filing position, province, residency, deductions, credits, benefits, contribution room, legal obligations, or future tax law changes.

4. User assumptions drive the results

Outputs depend heavily on the assumptions entered by the user, including assets, savings, spending, retirement age, return assumptions, volatility, inflation, tax assumptions, cash reserve settings, and withdrawal order. Incorrect, incomplete, or unrealistic assumptions can materially change the results.

5. Projections are not guarantees

Projections, Monte Carlo simulations, estimated success rates, downside paths, ending asset values, sensitivity analysis, and portfolio risk/return assumptions are estimates only. Actual market returns, inflation, tax rules, spending, health, employment, income, and personal circumstances may differ significantly from the model.

6. Past performance is not future performance

Any historical return, volatility, drawdown, backtest, or market signal shown on the site is not a guarantee of future results. Historical relationships may fail, and future market conditions may be materially different from past conditions.

7. No client or advisory relationship

Use of this website, purchase of a report, or access to the planner does not create a financial advisor, investment advisor, tax advisor, accountant, lawyer, fiduciary, planner-client, or professional advisory relationship with Data by Kevin.

8. Consult qualified professionals

Before making financial, investment, retirement, tax, legal, or estate-planning decisions, users should consult qualified professionals and independently verify assumptions, calculations, and recommendations.

9. Limitation of responsibility

Data by Kevin is not responsible for decisions made based on website content, model outputs, reports, assumptions, examples, third-party data, external links, or user-entered information. Users are responsible for reviewing the reasonableness of all assumptions and outputs before relying on them.

10. Policy updates

This disclaimer may be updated as the website, tools, paid report workflow, or access model changes. The version posted on this page is the current version.