Disclaimer

1. Education only

Financial Fellowship, including the podcast, the website at financialfellowship.com, our email, our social media content, and every episode, clip, and written piece we publish (together, the "Content"), is provided for education. The Content is general information about personal finance for physicians. It is not advice to you.

2. Not professional advice

The Content is not, and should not be treated as, financial, investment, tax, legal, insurance, accounting, or medical advice. Nothing in the Content is a recommendation that you buy, sell, hold, or refinance any security, insurance policy, loan, account, or other product, or that you take or refrain from taking any action.

3. Who we are, and who we are not

Ryan Inman hosts the show. Ryan is not a physician. Ryan previously operated a financial planning practice. That practice has been sold.

Taylor Inman appears on the show. Taylor is a pediatric pulmonologist and appears in a personal and editorial capacity. Taylor is not your physician, and nothing on the show is medical advice, a diagnosis, or a treatment recommendation for you or for any patient. Taylor's medical credentials do not make the Content medical advice, and the Content should not be treated as clinical guidance.

Guests and co-hosts, including any financial planner or other professional who appears on the show, speak for themselves. Their credentials, licenses, and opinions are their own. Financial Fellowship does not endorse any guest's advisory, planning, insurance, legal, tax, or other services, and listening to a guest does not make that guest your adviser. Some shows are produced under paid arrangements with the professionals who appear on them, and Financial Fellowship receives compensation under those arrangements.

4. No professional relationship

Listening to the show, using the website, subscribing to our email, submitting a question or a Financial Health Assessment, or having your submission discussed on the show does not create an adviser–client, broker–customer, attorney–client, accountant–client, physician–patient, or any other professional relationship between you and Financial Fellowship, Ryan Inman, Taylor Inman, or any guest or co-host.

5. General commentary, not tailored to you

The Content is published for a general audience. Even when an episode discusses a specific set of facts, including facts a listener submitted, the discussion is general commentary intended to illustrate principles for everyone listening. It is not tailored to your circumstances, does not take into account your complete financial situation, goals, or risk tolerance, and is not a personal recommendation to you or to anyone else.

6. Financial Health Assessment episodes

Episodes built on a Financial Health Assessment use the financial picture that a listener volunteered, with identifying details removed or changed, as a case study for the audience. That discussion:

(a) is not a financial plan for the person who submitted it, and is not a personal recommendation to that person or to any listener;

(b) is based only on the information the submitter chose to provide, which we do not verify and which may be incomplete, rounded, or altered for anonymity;

(c) is not a substitute for advice from a licensed financial planner, investment adviser, accountant, attorney, or insurance professional who knows the submitter's full situation;

(d) does not create any ongoing relationship, duty, or obligation between Financial Fellowship and the submitter; and

(e) may include a score, grade, or rating, which is an editorial device for the audience, not a professional assessment, a measure of creditworthiness, or a determination that any product or strategy is suitable for anyone.

We do not charge for a Financial Health Assessment, we do not implement any plan, and we do not provide ongoing services to submitters. The word "health" in "Financial Health Assessment" refers to household finances, not to anyone's medical condition. The assessment is not a medical assessment, and it is not governed by HIPAA.

7. Securities, brokerage accounts, retirement accounts, and insurance

We may discuss securities, brokerage platforms, retirement accounts, student loans, mortgages, and insurance products in general terms. Those discussions are not a recommendation to buy or sell any security or policy, to use any platform, or to choose any product. Financial Fellowship does not manage money, does not execute trades, does not sell insurance, and does not receive compensation for recommending securities or insurance products except as disclosed in our Affiliate Disclosure or in section 3. If anything you hear or read seems to you like personal advice, treat it as general information and consult a professional who is actually your adviser.

8. Information changes, and episodes are recorded in advance

Tax law, student loan programs, contribution limits, interest rates, employer benefits, insurance products, and markets change, often without notice. Episodes are recorded before they are released and may be out of date when you hear them. Do not rely on any figure, rule, or program described in the Content without confirming it with a current, authoritative source or a licensed professional.

9. Personal stories and examples are not typical results

When Ryan, Taylor, a guest, or a listener describes their own financial decisions or results, that is one person's experience. It is not a typical result, not a guarantee, and not a prediction of what will happen to you. Past performance of any investment, strategy, or market does not indicate future results.

10. You are responsible for your own decisions

You alone are responsible for evaluating the Content and for any decision you make or action you take. Before acting on anything you hear or read through Financial Fellowship, do your own research and consult your own licensed professionals, including, as appropriate, a financial planner or investment adviser, a certified public accountant or tax professional, an attorney, and an insurance professional, who can consider your complete circumstances.

11. Third-party links, tools, and forms

The Content may link to or embed websites, calculators, tools, forms, and services operated by others. We do not control them, we do not endorse them unless we say so, and we are not responsible for their accuracy, availability, or practices. Their terms and privacy policies apply to you when you use them.

12. Affiliate links and sponsors

Some links we publish are paid links, and we may earn a commission if you use them. We identify paid links where they appear. When we have sponsors, and when a show is produced under a paid arrangement, we will say so in the episode and in the show notes. Our Affiliate Disclosure explains these relationships. A commission or a sponsorship does not change the fact that the Content is not advice, and it is not a representation that any product is suitable for you.

13. Unlocked and future offerings

"Unlocked" is a planned offering that is not currently available. Descriptions of Unlocked, and any invitation to join a waitlist, are not a description of a product's features, pricing, or availability. Any future offering will be described, with its own terms, before you buy or enroll, and this Disclaimer will apply to it unless we state otherwise.

14. No warranty; Terms of Use control

The Content is provided "as is," without warranty of any kind. Our Terms of Use, available at financialfellowship.com/terms, contain additional disclaimers and limitations of liability that apply to your use of the Content, and this Disclaimer is incorporated into those Terms.

This page is provided for transparency about how Financial Fellowship operates. It is not legal advice to you. If you need advice about your own situation, consult a licensed professional in your jurisdiction.