Disclaimer & Risk Disclosure

All content, tools, calculators, AI-generated responses, blog posts, emails, newsletters, and any other materials provided through RetireWheel (the "Service") are for informational and educational purposes only. None of the content constitutes financial advice, investment advice, trading advice, tax advice, legal advice, or any other professional advice.

RetireWheel is not a registered investment advisor (RIA), broker-dealer, or financial planner. RetireWheel does not provide personalized recommendations and is not acting as a fiduciary in any capacity. The information presented is general in nature and does not take into account your specific objectives, financial situation, or needs.

You should consult with qualified, licensed professionals — including but not limited to a Registered Investment Advisor, Certified Public Accountant, attorney, or other qualified professional — before making any financial, investment, tax, or legal decisions based on information from this Service.

Options trading involves substantial risk and is not suitable for all investors. Cash-secured puts, covered calls, poor man's covered calls (PMCC), and all other options strategies carry significant risk, including but not limited to:

• The risk of losing all or a substantial portion of your investment
• The risk of assignment, requiring you to purchase shares at strike prices that may be significantly above current market value
• The risk of significant losses during periods of high market volatility
• The risk that options may expire worthless
• The risk of margin calls or forced liquidation
• Tax consequences that may significantly reduce net returns

Before engaging in options trading, you should read and fully understand Characteristics and Risks of Standardized Options published by the Options Clearing Corporation (OCC). This document is required reading before opening an options trading account at any broker.

Past performance is not indicative of future results. No representation or warranty is made that any trading strategy, framework, tool, calculator output, AI suggestion, or content from this Service will result in profits or avoid losses.

Any performance figures, yield estimates, return projections, weekly cash-on-cash percentages, annualized returns, or specific dollar amounts mentioned in blog posts, tools, calculators, or AI responses are hypothetical, illustrative, or based on historical data only and may not represent actual returns achievable in real-world trading.

The 1.2-1.7% weekly cash-on-cash floor referenced in the framework is a discipline parameter, not a guarantee. Actual trading results vary substantially based on market conditions, volatility, position sizing, timing, broker execution, and individual decisions.

Portions of the Service use large language models (currently Anthropic Claude) to generate analysis, suggestions, and decision-support output. AI-generated content has the following important limitations:

• AI may produce inaccurate, incomplete, or outdated information
• AI cannot perceive real-time market data unless explicitly provided
• AI may misinterpret your situation or framework rules
• AI suggestions are not personalized financial advice and should not be treated as such
• AI output is generated probabilistically and may differ between sessions

All AI-generated content must be independently verified before being used to make any trading or financial decision. The AI is decision support — not a decision maker.

Backtested results presented in blog posts, comparisons (such as JEPI vs Wheel, QYLD vs Wheel, SOXL backtest, etc.) are hypothetical performance simulations based on historical data. Hypothetical performance has many inherent limitations, including:

• Backtests do not reflect actual trading and may not reflect the impact of material market or economic factors
• Backtests do not account for execution slippage, broker fees, or real-world tax consequences
• Backtests benefit from hindsight and may incorporate rules calibrated to past performance
• No assurance can be given that any strategy will achieve profits or avoid losses similar to those shown

The Service contains links to third-party websites, brokers, custodians, and information sources. RetireWheel does not endorse, control, or take responsibility for any third-party content. References to specific tickers, ETFs, securities, brokers, or financial products are for illustrative purposes and do not constitute recommendations.

Mentioned tickers — including but not limited to ULTY, JEPI, QYLD, XYLD, SPYI, XDTE, SCHD, TNA, SOXL, TQQQ, NAIL, DPST, MSFU, NVDL, AAPU, GGLL, IREN, QQQM, VOO, SCHG — are referenced for educational purposes. Their inclusion does not constitute a recommendation to buy, sell, or hold any specific security.

Tax treatment of options strategies is complex and varies based on account type, jurisdiction, holding periods, wash-sale considerations, and individual circumstances. Discussion of tax topics — including but not limited to Roth IRA wheel strategy, profit routing, XDTE return-of-capital treatment, short-term capital gains, ACA cliffs, IRMAA brackets, NIIT — is for general educational purposes only.

Consult a qualified tax professional (CPA, EA, or tax attorney) before making decisions based on tax-related content. Tax laws change. Individual circumstances vary. Nothing in the Service should be relied upon for tax planning without independent professional review.

The wheel strategy and active options-selling strategies are not suitable for all investors. Before using any tool, framework, or content from this Service, you should determine whether:

• You have sufficient capital to absorb potential losses
• Your broker has approved you for the necessary options trading levels
• You understand the mechanics of cash-secured puts, covered calls, and assignment
• You have the time and discipline to manage active positions
• The strategy aligns with your investment objectives and risk tolerance

The Service is provided "AS IS" and "AS AVAILABLE" without warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. RetireWheel does not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Specifically, RetireWheel does not warrant the accuracy, completeness, timeliness, or reliability of any:

• Market data, option chain information, or pricing
• Calculator output or computed metrics
• AI-generated analysis or suggestions
• Broker-synced data via SnapTrade or other integrations
• Blog post content, including backtests and comparisons
• Email briefings, alerts, or notifications

To the maximum extent permitted by applicable law, in no event shall RetireWheel, its affiliates, employees, contractors, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to lost profits, lost data, trading losses, missed opportunities, or any damages arising from use of or inability to use the Service — even if advised of the possibility of such damages.

Your sole and exclusive remedy for dissatisfaction with the Service is to stop using it.

By using the Service, you acknowledge and agree that:

• You are solely responsible for all trading and investment decisions
• You have read and understood the Options Clearing Corporation's risk disclosure
• You will independently verify all data, calculations, and AI output before making decisions
• You will not hold RetireWheel liable for any trading losses or adverse outcomes
• You will seek professional advice from licensed advisors as appropriate
• You meet the suitability requirements of options trading per your broker

RetireWheel reserves the right to update or modify this disclaimer at any time without prior notice. Continued use of the Service after such changes constitutes acceptance of the updated disclaimer. The "Last updated" date at the top of this page indicates when the most recent changes were made.

For questions about this disclaimer or the Service, contact: hello@retirewheel.com

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