Not your tax adviser.

1. We’re not your tax adviser

We don’t prepare returns. We’re not a CPA, an enrolled agent, or a tax attorney. We don’t file anything on your behalf. We don’t represent you to the IRS or any state tax authority. If you get audited, we won’t be in the room.

For Canadian customers — important

GlidePath Money’s tax modeling assumes U.S. tax rules. Federal and state income tax estimates, Schedule C self-employment calculations, IRA and 401(k) contribution modeling, Roth conversion analysis, and Tax-Valley identification are all built on the U.S. Internal Revenue Code and IRS tables. None of these correctly apply to Canadian residents, who use the Canada Revenue Agency (CRA), Form T2125 (not Schedule C), TFSA and RRSP (not Roth and Traditional IRA), and Canadian federal + provincial tax brackets.

If you are a Canadian customer, you can still use GlidePath Money for non-tax features — budgeting, cash-flow tracking, balance-transfer payoff modeling, holdings and net-worth tracking, subscription tracking, and goal planning — but you should ignore the tax-estimation surfaces (Retirement projections that include tax impacts, Schedule C calculations, Roth conversion modeling, Tax-Valley analysis, and the retirement-tax disclosures on the Holdings page). For Canadian tax planning, please consult a CPA, CGA, or other qualified Canadian tax professional. Native Canadian tax-rule support is a candidate for a future release; it is not in the current product.

2. What GlidePath calculates

Tax estimation, based on what you enter and the IRS / state tables current on your last app update. Specifically:

• Federal income tax — bracket-by-bracket projection based on your income, filing status, deductions, and credits.
• Schedule C / self-employment tax — gross receipts minus expenses you categorize, applied to SE tax rates. Useful for quarterly-estimate planning. Not a replacement for your actual return.
• Roth conversion modeling — tax cost of converting an amount at your projected marginal rate. Designed to answer “is this worth thinking about?” — not “here’s your exact bill.”
• Retirement contribution + RMD timing — surfaces the tax-deferral implications of contribution choices and required minimum distributions.
• Tax-Valley analysis — flags years between retirement and RMD / Social Security start where your taxable income may be temporarily low (and therefore a candidate window for Roth conversions). Identifying a window is different from telling you what to do with it.

3. What GlidePath doesn’t do

• Prepare or file federal, state, or local tax returns
• Render formal tax opinions or anything you could legally rely on instead of a CPA
• Provide personalized advice for your complete situation — we don’t see your full picture
• Represent you before the IRS, state tax authorities, or any court
• Guarantee accuracy — tax law is fact-specific, changes annually, and has edge cases we don’t always cover

4. Tax tables and when they update

We use IRS and state tax tables current on your last app update. The app doesn’t auto-update tax rules unless your maintenance subscription is active. If your subscription has lapsed, the tables are frozen at that date. For active-year tax planning, keep maintenance current — or cross-check against irs.gov directly.

5. The decisions are yours

You’re responsible for the accuracy of your tax positions, the timing of your elections, and the actual filing of your returns. For decisions that move real dollars, talk to:

• A CPA or enrolled agent for return prep and ongoing tax planning
• A tax attorney for disputes, entity structure, or high-complexity transactions (estate planning, sale of a business, large Roth conversions)
• A CFP® for tax-aware retirement planning that connects to your broader picture

6. State and local taxes (the part we don’t fully cover)

Our state-tax coverage is a subset of the 50 states and is intentionally approximate. We don’t cover local taxes (city, county), the full AMT in every edge case, or specialty taxes like NIIT and the additional Medicare tax in all combinations. Your CPA does.

7. Limits on our liability

To the maximum extent the law allows, we’re not on the hook for tax liability, penalties, interest, missed elections, or other damage from decisions or filings 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: legal@glidepathmoney.com or hi@glidepathmoney.com.