Financial Coaching & Education Disclaimer

Your Wealth Ascent, LLC ("Your Wealth Ascent," "we," "us," or "our") provides financial coaching, financial education, financial tracking tools, goal planning, accountability support, and related educational services.

The information, tools, coaching, plans, calculations, discussions, and educational materials provided through Your Wealth Ascent are intended to help clients better understand and organize their personal financial circumstances.

They are not a substitute for individualized advice from an appropriately licensed or qualified financial, investment, tax, legal, accounting, insurance, credit, or other professional.

1. Financial Coaching and Education Only

Your Wealth Ascent provides financial coaching and education rather than regulated investment advisory or other licensed professional services.

Coaching may include topics such as budgeting, cash flow, spending habits, debt reduction, savings, emergency funds, financial organization, financial goals, net worth, accountability, financial habits, and general financial concepts.

We may also help clients develop financial action plans and track progress toward goals.

2. Not an Investment Adviser

Your Wealth Ascent is not acting as an investment adviser, investment advisory firm, broker-dealer, securities broker, securities dealer, investment manager, portfolio manager, or fiduciary investment adviser through the Services.

We do not provide individualized investment recommendations or manage investment portfolios.

We do not recommend that a client buy, sell, hold, avoid, or allocate funds to any specific stock, bond, mutual fund, exchange-traded fund, cryptocurrency, security, investment product, or other investment.

3. General Investment Education

Your Wealth Ascent may provide general educational information about investments and investment-related concepts.

For example, educational discussions may explain:

• Basic investment terminology;
• How stocks, bonds, funds, dividends, or other investment concepts generally work;
• How to research publicly available information concerning an investment;
• How dividend yields or hypothetical payouts may be calculated;
• How historical investment information may be interpreted; or
• General concepts relating to risk, diversification, time horizon, or market behavior.

Such information is educational only and should not be interpreted as a personalized recommendation, endorsement, prediction, or solicitation involving any particular investment.

4. No Securities Recommendations

Your Wealth Ascent does not make personalized recommendations concerning specific securities or investments.

The fact that an investment, company, security, strategy, dividend, yield, historical return, or hypothetical outcome is discussed does not mean Your Wealth Ascent recommends it.

Clients should independently evaluate any investment decision and consult an appropriately registered or licensed investment professional when personalized investment advice is desired.

5. No Guarantee of Financial Results

Financial outcomes depend on many factors outside the control of Your Wealth Ascent, including a client's income, expenses, behavior, decisions, employment, markets, interest rates, taxes, emergencies, economic conditions, and other personal circumstances.

Your Wealth Ascent does not guarantee that coaching, use of the platform, completion of an action plan, or participation in any Service will result in a particular financial outcome.

We do not guarantee:

• Increased income;
• Increased savings;
• Reduced debt;
• Improved credit;
• Increased net worth;
• Investment profits or returns;
• Prevention of financial loss; or
• Achievement of any particular financial goal.

6. Client Responsibility

Clients remain responsible for their own financial decisions, transactions, purchases, investments, account changes, debt payments, savings decisions, and other financial actions.

Coaching plans and action items are intended to support organization, education, accountability, and decision-making. They do not transfer responsibility for financial decisions from the client to Your Wealth Ascent.

Before taking an action that may have significant legal, tax, investment, insurance, credit, or other consequences, a client should consult an appropriately qualified professional.

7. No Tax Advice

Your Wealth Ascent does not provide tax advice or tax preparation services unless such services are expressly introduced in the future and provided by an appropriately qualified professional.

Discussions concerning taxes may be general and educational in nature.

Clients should consult a qualified tax professional regarding tax filings, tax liability, deductions, credits, tax planning, or the tax consequences of a financial decision.

8. No Legal Advice

Your Wealth Ascent does not provide legal advice and does not establish an attorney-client relationship.

Any discussion of contracts, debt, estates, business structures, bankruptcy, legal obligations, consumer rights, or other legal topics is general educational information only unless separately provided by a qualified legal professional.

Clients should consult an attorney regarding legal questions or decisions.

9. No Accounting Advice

Your Wealth Ascent does not provide professional accounting, auditing, bookkeeping certification, or CPA services unless such services are expressly introduced in the future and provided by an appropriately qualified professional.

Financial tracking and organization tools should not be treated as a substitute for professional accounting records or professional accounting advice.

10. No Insurance Advice

Your Wealth Ascent does not act as an insurance producer, insurance broker, insurance agent, or insurance adviser through the Services.

General discussions concerning insurance may be educational only.

We do not recommend or sell specific insurance policies, carriers, or insurance products unless such services are separately introduced and provided in accordance with applicable licensing requirements.

11. No Credit-Repair Services

Your Wealth Ascent does not provide credit-repair services or promise to remove accurate information from a consumer credit report.

We may provide general education concerning credit, debt, payment history, utilization, budgeting, and financial habits.

Such education should not be interpreted as legal advice, a guarantee of credit-score improvement, or a credit-repair service.

12. Financial Calculations and Projections

The Services may display calculations, summaries, projections, estimates, hypothetical scenarios, financial ratios, net worth, cash flow, savings progress, debt progress, or similar information.

These outputs are informational and depend on assumptions and information provided by the client or otherwise available to the Services.

Calculations may be inaccurate if the underlying information is inaccurate, incomplete, outdated, or entered incorrectly.

Hypothetical or projected results are not guarantees of future results.

13. Information May Become Outdated

Financial laws, tax rules, interest rates, market conditions, product terms, regulations, and other financial information can change over time.

Educational information may therefore become outdated or may not apply to a client's particular situation or jurisdiction.

Clients should independently confirm information that may materially affect an important financial decision.

14. Third-Party Information

The Services or coaching discussions may reference information, websites, financial institutions, products, services, educational resources, or other materials provided by third parties.

A reference to a third party does not necessarily constitute an endorsement, recommendation, partnership, or guarantee of that third party.

Your Wealth Ascent does not control independent third-party information and cannot guarantee that it is accurate, complete, current, or suitable for a particular client.

15. Coaching Relationship

Participation in financial coaching creates a coaching relationship only.

It does not create an attorney-client, accountant-client, investment adviser-client, broker-client, insurance-agent, fiduciary investment, or other licensed professional relationship.

Your Wealth Ascent may provide personalized coaching based on financial information a client voluntarily provides. Personalized coaching is limited to the financial coaching and educational scope described in this Disclaimer. Your Wealth Ascent does not provide personalized recommendations to buy, sell, hold, or allocate funds to specific securities or investments, and does not provide other licensed professional services unless those services are separately introduced and provided by an appropriately qualified professional.

16. When Professional Advice May Be Appropriate

Depending on a client's circumstances, it may be appropriate to seek assistance from a qualified professional such as:

• A registered or licensed investment professional;
• A certified public accountant or other qualified accounting professional;
• A qualified tax professional;
• An attorney;
• A licensed insurance professional;
• A mortgage or lending professional; or
• Another qualified professional relevant to the client's circumstances.

Your Wealth Ascent encourages clients to seek appropriate professional guidance when a matter falls outside the scope of financial coaching and education.

17. No Fiduciary Relationship

Use of the Services and participation in financial coaching do not create a fiduciary relationship between a client and Your Wealth Ascent.

Your Wealth Ascent does not act as a fiduciary investment adviser, trustee, custodian, investment manager, portfolio manager, or similar regulated fiduciary through the Services.

Clients remain responsible for evaluating their own financial decisions and should consult an appropriately licensed or qualified professional when fiduciary, investment advisory, legal, tax, accounting, insurance, or other regulated professional services are needed.

18. Beta Services

Certain Your Wealth Ascent Services may be provided as part of a private beta, early-access program, or developing service.

Beta features, calculations, workflows, coaching processes, and platform functionality may change as the Services are tested and improved.

Clients should not rely on the continued availability of any particular beta feature unless separately agreed in writing.

19. Relationship to Other Terms

This Financial Coaching & Education Disclaimer should be read together with the Your Wealth Ascent Terms of Use and Privacy Policy.

Those documents contain additional information concerning use of the Services, subscriptions, payments, account security, privacy, data handling, limitations, and other applicable terms.

20. Changes to This Disclaimer

Your Wealth Ascent may update this Disclaimer from time to time to reflect changes to the Services, business practices, professional scope, or legal requirements.

When this Disclaimer is updated, the Effective Date shown above will be revised.

Material changes may also be communicated through the Services, by email, or through another appropriate method.

21. Contact Us

Questions concerning the scope of Your Wealth Ascent's financial coaching and educational Services may be directed to: