Not your investment adviser.

1. We’re not your investment adviser

We’re not registered with the SEC. We’re not registered with any state securities regulator. We’re not a broker-dealer. We don’t manage anyone’s money. We don’t execute trades. We don’t have your account credentials, your password, or any way to move dollars around. We’re software, not a person looking at your specific situation.

2. What GlidePath actually does

Same set of calculations, available to every customer, run against numbers you choose to enter. The math is the math; what changes is what you type in.

• Retirement projections — including the Monte Carlo simulator — are arithmetic on assumptions you provide: return rate, volatility, inflation, contribution amount, retirement age. We don’t know whether your assumptions match your real life.
• Roth conversion modeling shows the tax cost of an amount you might convert at a rate you pick. It’s a calculator, not a recommendation.
• Balance-transfer cascading simulator shows “if you cleared this BT, here’s the future-value impact on retirement.” Same arithmetic everyone gets.
• Holdings + asset allocation show the composition of positions you entered. Prices come from a public source (Yahoo Finance, proxied through our Worker so the lookup carries no identity data). We don’t pick what you should hold.
• Glide AI helper explains concepts (“what is a Roth conversion?”, “why is this Monte Carlo range so wide?”). It’s explicitly scoped away from personalized recommendations. It never sees your data.

3. What GlidePath deliberately doesn’t do

• Recommend specific stocks, funds, ETFs, or investment products
• Tell you what to do with your money beyond educational context
• Buy or sell anything for you
• Manage anyone’s portfolio — we have no discretionary authority over any account
• Owe you a fiduciary duty — we’re not in an advisory relationship with you

4. The legal version (for the curious or the lawyer reading this)

Two well-established doctrines explain why a software tool like GlidePath isn’t an investment adviser:

• The publisher’s exclusion — the Supreme Court ruled in Lowe v. SEC, 472 U.S. 181 (1985), that publications giving the same impersonal information to a broad audience aren’t “advising” in the regulatory sense. They’re publishing. Software that does the same thing — same calculations, same logic, fed by inputs you choose — sits on the same side of that line.
• The Internet Investment Adviser Exemption (SEC rule, amended March 2024) — interactive software with limited operational scope, communicating impersonally through an internet interface, isn’t “in the business of advising” specific individuals.

We’ve built GlidePath to fit both. If anything in the app, the marketing site, or a support reply reads to you like it crossed the line into personalized advice, that wasn’t the intent and you shouldn’t treat it as such — tell us and we’ll fix it.

5. The decisions are yours

You’re responsible for what you do with the numbers. Specifically:

• Whether to invest, how much, in what
• How to allocate, when to rebalance, how much to contribute
• Whether to convert a Roth, and how much
• When to retire and how to draw down
• Whether to pay down debt or invest the cash
• Whether to take that balance-transfer promo

For decisions that genuinely move your future, talk to a real person: a CFP®, a fiduciary investment adviser (SEC- or state-registered), a CPA or enrolled agent for the tax side, an attorney for things like estate planning. We’re a tool. They give advice.

6. About the numbers

Past performance doesn’t predict future results. Projections are math on the assumptions you provide; actual outcomes will differ, sometimes a lot. The Monte Carlo range shows uncertainty in the model — not all the uncertainty in the world. Markets do things outside the modeled range. They have before; they will again.

7. Limits on our liability

To the maximum extent the law allows, we’re not on the hook for financial loss, missed opportunity, tax consequence, or other damage tied to decisions you make based on the app’s output. The full liability framework is in the EULA §9 and Terms §8.

Contact

Questions about this disclaimer or how it applies to a feature you’re using: legal@glidepathmoney.com or hi@glidepathmoney.com.