Disclaimer

🏴‍☠️ DISCLAIMER

Last Updated: November 20, 2025

This website, RetirementPirate.com, is owned and operated by Stormeborne Wealth Advisors, LLC, a Wyoming Limited Liability Company (“Stormeborne,” “we,” “our,” “us”).

The information on this website—including blog articles, videos, graphics, tools, downloads, surveys, courses, emails, podcasts, merchandise pages, and communications—is for educational and informational purposes only.
It should not be interpreted as personalized financial, investment, legal, tax, or insurance advice.

If you have questions, you may contact us at:
📧 info@retirementpirate.com

⚓ 1. Not Investment Advice

Nothing on this website constitutes:

  • Individualized investment advice

  • A recommendation to buy or sell securities

  • A solicitation to invest

  • A promise of financial results

  • A substitute for personalized financial planning

Your financial decisions should be based on your unique circumstances, time horizon, goals, risk capacity, liquidity needs, tax situation, and personal objectives.

For personalized advice, schedule a consultation with a qualified financial professional.

⚓ 2. No Advisor–Client Relationship Created

Your use of this website does not create an advisory relationship between you and Stormeborne Wealth Advisors.

You become a client only after:

  1. Stormeborne accepts you as a client,

  2. You sign the required advisory agreements, and

  3. You receive all required disclosures (including Form ADV documents).

Until then, all information here is general education, not tailored advice.

⚓ 3. Educational Content Only

Stormeborne provides:

  • Blog posts

  • Research discussions

  • Webinars

  • Survey tools (e.g., Pirate Identity Survey)

  • Strategies such as COINS, INVEST, or The Freedom Leveraged Strategy (SALLO)

  • Retirement Pirate Radio episodes

  • Course materials

  • Merchandise

These are intended to help you understand financial concepts, behavior patterns, and strategic frameworks.
They are not instructions to execute trades or make financial decisions.

⚓ 4. Investment Risks

All investing involves risk, including:

  • Loss of principal

  • Market volatility

  • Liquidity risks

  • Interest rate risk

  • Options-related risk

  • Systemic risk

  • Behavioral risk

  • Emotional decision-making

  • Unexpected external events

Past performance does not guarantee future results.

You are responsible for understanding the risks before acting on any information.

⚓ 5. No Guarantees

Stormeborne makes no guarantees, expressed or implied, regarding:

  • Investment performance

  • Accuracy of market forecasts

  • Financial outcomes

  • Behavioral results

  • Psychological identity results (e.g., Pirate Identity Score)

  • Business outcomes

  • Personal transformation of any kind

Any examples or case studies are hypothetical and for illustrative purposes only.

⚓ 6. Affiliate, Advertising & Compensation Disclosure

Stormeborne may:

  • Receive affiliate compensation from certain links, tools, or services

  • Receive promotional consideration from partners

  • Link to products, merchandise, or educational resources that we create or sell

This does not influence our opinions.
All recommendations are made with integrity and transparency.

⚓ 7. Third-Party Tools & Services

We rely on third-party services including:

  • Google Analytics

  • JotForm

  • Calendly

  • Mailchimp or similar email tools

  • Stripe / PayPal (for merchandise)

  • Facebook Pixel

  • WordPress plugins

We are not responsible for:

  • Their content

  • Their data practices

  • Their availability

  • Errors or bugs in their systems

Use third-party tools at your own discretion.

⚓ 8. Survey, Quiz & Assessment Disclaimer

Tools such as the Retirement Pirate Identity Survey and similar assessments are:

  • Educational

  • Identity-based

  • Interpretive

  • Designed for self-reflection

They do not diagnose financial ability, mental traits, psychological patterns, or investment skills.
They do not create any legal, financial, or advisory obligation on our part.

⚓ 9. Testimonials & Success Stories

Testimonials, reviews, and statements appearing on this site:

  • Reflect individual experiences

  • Are not indicative of typical results

  • Do not guarantee future success

Stormeborne may use testimonials for marketing in accordance with applicable laws.

No compensation is given for testimonials unless clearly stated.

⚓ 10. Errors, Omissions & Timeliness

The financial world evolves constantly.
While we strive for accuracy:

  • Information may become outdated

  • Market conditions may change

  • Errors or typos may appear

  • Third-party data may be incorrect

Stormeborne is not liable for decisions made based on outdated or inaccurate information.

⚓ 11. Not Legal, Tax, or Insurance Advice

Stormeborne does not provide:

  • Legal advice

  • Tax advice

  • Accounting advice

We may discuss general principles, but you should always consult:

  • An attorney

  • A CPA

  • A licensed insurance professional

  • Or other qualified advisor

before making decisions.

⚓ 12. Merchandise Disclaimer

Retirement Pirate merchandise (“swag”) is sold for:

  • Entertainment

  • Branding

  • Community identity

No personalization, financial significance, or professional purpose is implied.

⚓ 13. Limitation of Liability

By using this website, you agree that Stormeborne Wealth Advisors, its owners, employees, subcontractors, and affiliates are not liable for any:

  • Direct damages

  • Indirect damages

  • Accidental losses

  • Lost profits

  • Misinterpretation of information

  • Decisions you make based on content

  • Actions taken or not taken after consuming our material

Use this site at your own discretion.

⚓ 14. Contact Information

If you have questions about this Disclaimer:

📧 info@retirementpirate.com
📬 Stormeborne Wealth Advisors, LLC
30 N Gould St Ste R
Sheridan, WY 82801