Disclaimer

No Financial Advice

Elle Barnby is not a financial advisor, certified financial planner, investment advisor, or broker. Nothing on this website constitutes financial, investment, tax, or accounting advice. The content is for educational and informational purposes only.

You should consult with a qualified fiduciary financial planner or certified financial advisor regarding your specific financial situation before making any financial decisions.

No Legal Advice

Elle Barnby is a retired attorney and does not provide legal services or legal advice through this website. Nothing on this site creates an attorney-client relationship.

You should consult with a licensed attorney in your jurisdiction for legal advice specific to your situation.

Educational Content Only

The three-pillar retirement design framework (Prosperity, Purpose, Play) is an educational methodology for planning life transitions. It is not a substitute for professional financial planning, legal counsel, or medical advice.

No Guarantees

Results from using the Retirement Readiness Scorecard, ebook, or consultation services will vary. No specific outcomes are guaranteed. Your retirement design depends on your individual circumstances, decisions, and actions.

Third-Party Links

This website may contain links to third-party websites. Elle Barnby is not responsible for the content, accuracy, or practices of third-party sites.

Consultation Services

Retirement design consultations provide strategic guidance on life planning and goal-setting. They do not include financial planning, investment advice, legal counsel, or tax preparation services.

Your Responsibility

You are responsible for your own financial, legal, and life decisions. While this site provides educational frameworks and guidance, you should seek appropriate professional advice before making significant financial or legal decisions.