Disclaimer

1. Not Legal Advice

Gregory S. DuPont, Esq. is a licensed attorney in the State of Ohio. However, the content provided through this Service does NOT constitute legal advice. Your use of this Service does NOT create an attorney-client relationship between you and Gregory S. DuPont, Esq., Advocate Wealth Solutions, or any affiliated attorney.

Estate planning, asset protection, elder law, and Medicaid planning are highly fact-specific areas of law. Outcomes depend on your individual circumstances, applicable state laws, and regulatory changes that occur regularly. Do not act or refrain from acting on the basis of any information provided through this Service without seeking advice from a qualified attorney licensed in your state.

2. Not Financial or Investment Advice

The Service does NOT provide personalized financial, investment, retirement planning, or wealth management advice. Information about long-term care insurance, asset protection strategies, retirement planning, and the 4D Estate Plan™ framework is provided for educational purposes only.

All investment and financial decisions involve risk, including the possible loss of principal. Past performance is not a guarantee of future results. Consult a qualified financial advisor before making any financial or investment decisions.

3. Not Tax Advice

The Service does NOT provide personalized tax advice. Tax laws are complex, vary by jurisdiction, and change frequently. Tax strategies that may be appropriate for one individual may be inappropriate or harmful for another.

To comply with U.S. Treasury Department Circular 230 requirements, any tax-related information on this Service is not intended or written to be used, and cannot be used by any person, for the purpose of avoiding tax penalties. Consult a qualified CPA, enrolled agent, or tax attorney before implementing any tax strategy.

4. Not Insurance Advice

The Service discusses long-term care insurance and other insurance products in general educational terms. We are NOT acting as an insurance agent or broker for you through this Service. Insurance product availability, premiums, underwriting requirements, and benefits vary widely by insurer, state, and individual health and financial circumstances.

Consult a licensed insurance professional in your state before purchasing any insurance product.

5. Not Medical Advice

References in the Service to medical conditions (Alzheimer's, dementia, stroke, Parkinson's, diabetes, etc.) are for educational context only. The Service does NOT provide medical advice, diagnosis, or treatment. Consult qualified medical professionals for any health-related questions or concerns.

6. The Scorecard Is Educational

The Long-Term Care Risk Scorecard is an educational self-assessment tool. The score it generates:

• Is based on simplified scoring of self-reported information.
• Does NOT constitute a personalized risk assessment by any qualified professional.
• Does NOT predict whether you will need long-term care or how much it will cost.
• Does NOT replace a comprehensive evaluation by licensed attorneys, financial advisors, and insurance professionals.

Scorecard results, recommendations, and tier-specific guidance are general in nature and may not be appropriate for your individual circumstances.

7. Statistics and Data

Statistics referenced in the Service (including but not limited to the 70% lifetime LTC need figure, $108,000 average annual nursing home cost, $4 trillion wealth transfer figure, average duration of care, and Medicaid asset limits) are drawn from sources including the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services, industry reports, and the author's professional experience. Statistics may change over time, vary by region, and may not reflect your specific situation.

8. Case Studies and Stories

Stories of individuals — including but not limited to "Margaret Williams," "David Richardson," "Bob and Martha Williams," "Jim and Susan Carter," "Susan Chen," and "David Harrison" — are illustrative composites based on the author's professional experience. Names and identifying details have been changed. They are presented for educational purposes and do not represent the experience of any specific individual or guarantee any particular outcome.

9. Forward-Looking Statements

Statements about future costs, projected needs, statistical likelihoods, and the effectiveness of planning strategies are forward-looking. Actual outcomes will vary based on individual circumstances, regulatory changes, market conditions, and other factors beyond our control.

10. No Guarantees

We make NO guarantee that:

• Implementing any strategy discussed will protect your assets from long-term care costs.
• Any insurance product will be available to you, will be affordable, or will pay benefits as expected.
• Any legal structure will achieve its intended purpose under your state's laws.
• You will or will not need long-term care, or what the costs will be if you do.
• You will qualify for Medicaid or any other government benefit at any future date.

11. Third-Party References

References to third parties, products, services, organizations, or websites do not constitute endorsement. We are not responsible for the content, accuracy, or practices of any third party.

12. Limitation of Liability

By using the Service, you agree that Advocate Wealth Solutions, Gregory S. DuPont, Esq., and any affiliated parties are NOT liable for any decisions you make, actions you take, or outcomes you experience based on information from the Service. You assume full responsibility for verifying any information with qualified professionals before acting.

See our Terms of Service for the full limitation of liability provisions.

13. Affiliate and Marketing Disclosure

Advocate Wealth Solutions and Gregory S. DuPont, Esq. provide professional legal and financial advisory services. The Service is also a marketing channel for those services. If you contact us through the Service or schedule a consultation, you may become a prospective client of our professional practice. Engagement of our professional services is governed by separate written engagement agreements, and only those agreements create a professional relationship.

14. Jurisdiction

This Service is intended for residents of the United States. Information about laws, regulations, and benefits is generally based on U.S. and Ohio law and may not apply in other jurisdictions. State-specific rules vary significantly, particularly regarding Medicaid eligibility, trust law, and elder law.

15. Updates and Changes

We may update this Disclaimer at any time. Continued use of the Service after updates constitutes acceptance of the revised Disclaimer. Information on the Service may become outdated; check directly with qualified professionals for current information.

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