Disclaimer
Educational Simulation — Not Financial Advice
Last updated: 18 May 2026
Wealth Lab Simulator is an educational planning simulator. It is designed to help users explore hypothetical financial scenarios using their own inputs, assumptions, and reference data.
Wealth Lab Simulator does not provide financial, investment, tax, legal, retirement, accounting, insurance, or estate planning advice. The app does not recommend buying, selling, holding, or avoiding any security, asset, fund, ETF, stock, bond, or financial product.
No content, calculation, projection, simulation, chart, result, score, message, or example inside Wealth Lab Simulator should be interpreted as personalized advice or a recommendation.
No Adviser Relationship
Use of Wealth Lab Simulator does not create an adviser-client, fiduciary, broker-client, planner-client, attorney-client, tax adviser-client, or other professional relationship.
You are responsible for your own financial decisions. Before making financial, investment, retirement, tax, or legal decisions, you should consider consulting qualified professionals who understand your personal situation.
Hypothetical Results Only
All outputs are hypothetical estimates based on user-provided inputs, simplified assumptions, historical/reference data, and simulation models. Actual future results may differ materially.
The app does not guarantee:
- income
- dividend payments
- investment returns
- portfolio value
- retirement success
- plan survival
- tax outcomes
- future market performance
- future inflation
- future asset prices
Past performance, historical yield, historical growth, and reference data are not guarantees or forecasts of future performance.
User Inputs and Assumptions
Results depend heavily on the information you enter. If your inputs are incomplete, inaccurate, outdated, or unrealistic, the results may be misleading.
You should review assumptions carefully, including portfolio value, dividend income, spending, inflation, taxes, cash reserves, dividend cuts, market stress, and surplus handling.
Data and Model Limitations
Wealth Lab Simulator may use simplified formulas, delayed data, estimated data, historical references, or user-provided assumptions. Some calculations may simplify complex real-world issues such as taxes, market volatility, dividend changes, inflation, sequence of returns, asset liquidity, and portfolio behavior.
The app is intended for education, planning practice, and scenario exploration only.
No Emergency or Critical Decision Use
Do not rely on Wealth Lab Simulator as the only basis for important financial decisions. The app should not replace professional judgment, personal research, or advice from qualified professionals.
Contact
Questions about this disclaimer can be sent through the Contact page.