Disclaimer
Last updated: July 16, 2026
Educational content only, not financial advice
Everything published under Dividend School and School of Investing — including free posts, paid subscriber content, emails, videos, charts, and any other material — is for educational and informational purposes only. It reflects my personal opinions and is meant to teach investing concepts, not to tell you what to buy, sell, or hold.
Nothing here is investment, financial, legal, accounting, or tax advice. I am not a registered investment adviser, broker-dealer, or financial planner, and no content should be treated as a personalized recommendation. I don’t know your goals, income, risk tolerance, tax situation, or time horizon, so nothing I write can account for your specific circumstances.
Do your own research
Any company, security, or strategy I discuss is a starting point for your own work, not a conclusion. Before you make any investment decision, do your own research and consider speaking with a licensed financial adviser, accountant, or attorney who can review your individual situation. You are solely responsible for your own investment decisions and their outcomes.
No guarantees, and investing carries risk
All investing involves risk, including the possible loss of principal. Past performance is not a guarantee or reliable indicator of future results. Markets move, companies change, and any figures, valuations, or projections I share can be wrong or become outdated. I make no representation or warranty that any information here is accurate, complete, or current, and I’m under no obligation to update it.
Some content may include forward-looking statements — thoughts about how a business or the market might perform in the future. These are estimates and opinions, not facts, and actual results may differ materially.
Positions I may hold
I may personally own, buy, or sell any of the securities I write about, and my positions can change at any time without notice. Assume that when I discuss a company, I may have a financial interest in it. I will not always disclose specific holdings in each individual post.
Affiliate links and sponsorships
Some content may contain affiliate links or paid sponsorships. If you click a link or make a purchase, I may earn a commission or fee at no additional cost to you. Sponsored content will be identified as such. Being an affiliate or accepting sponsorship does not change my honest opinion of a product or service, but you should factor these relationships in when reading.
Paid subscriptions
A paid subscription gives you access to additional educational content and analysis. It does not create an advisory relationship, and paid content is still for educational purposes only — it is not personalized investment advice and comes with no promise of any particular result or return.
Limitation of liability
To the fullest extent permitted by law, I am not liable for any loss or damage of any kind arising from your use of, or reliance on, any content published under Dividend School or School of Investing. You use this information at your own risk.
Third-party content
References to third-party companies, data, products, or websites are provided for convenience and do not constitute an endorsement. I am not responsible for the accuracy or content of any third-party material.