As of October 2026, Simple Money Advice has no paid endorsements, affiliate relationships, or sponsored content. No one pays me to mention any company, product, or service named on this site. The site does earn money from display ads served by Google AdSense, described under Advertising below. If any of this changes, this page and the status above will be updated before any new mention goes live.
Personal finance content on the internet has a trust problem. A lot of it is engineered to get you to click an affiliate link, and the recommendations reflect that. I built this site because I think there's a real gap between what people are told and what actually works, and I wanted to fill it with honest takes from someone who has lived it professionally and personally.
Part of keeping that credible is being transparent about money. So this page exists to tell you exactly where things stand, including what I plan to do in the future.
Several articles on this site name specific companies and products. Some are things I personally use; others, such as the large brokerages and index funds named in the investing articles, are named because they are common, widely available examples. As of October 2026, I was not approached by any of them, I do not have a commercial relationship with any of them, and I receive no compensation of any kind for the mentions. If that changes for any company or product I've mentioned, I'll update this page and note it on the relevant article.
Most pages on this site show display ads served by Google AdSense, and the site earns money when those ads are shown or clicked. Google chooses which ads appear; I don't pick individual advertisers or review ads before they run. An ad appearing here is not an endorsement or recommendation of the advertiser or its product, and ad revenue has no influence on what I write. Ads are turned off on the calculators, this page, the privacy policy, and the About page, and several ad categories are blocked, including get-rich-quick offers. How the ads use cookies is explained in the privacy policy.
Simple Money Advice is a publisher of general, educational content about personal finance topics. It is not investment advice, and I am not a registered investment adviser, broker-dealer, or other financial professional acting in an advisory capacity on this site. Nothing here, including the calculators, articles, and any "coming soon" or in-progress content, creates an advisory or fiduciary relationship between me and any reader. Everything on this site is written for a general audience and is impersonal: it does not take into account your individual financial situation, objectives, tax bracket, or risk tolerance. I am a CPA with 15+ years in corporate finance, but I am not acting as your financial advisor. Before making significant financial decisions, talk to a licensed financial, tax, or legal professional who knows your specific circumstances.
Nothing on this site is a guarantee or promise of any financial outcome, return, or result. Where historical data or past performance is referenced, such as long-run stock market averages, it's for illustration only. Past performance does not guarantee future results, and any assumed rate of return used in an article or calculator is a simplifying assumption, not a projection or forecast of what will happen to your money.
All investing involves risk, including the possible loss of principal. Markets can and do decline, sometimes sharply. Nothing on this site is intended to eliminate or minimize that risk, and no content here is intended to encourage the purchase or sale of any specific security.
Some content on this site discusses future plans for the site itself, such as upcoming articles or tools, or general expectations about markets, rates, or the economy. These are forward-looking statements based on current plans and beliefs. They are not guaranteed and may change without notice.
Tax and legal information on this site is general in nature and based on the rules in effect at the time of writing, which are subject to change and can vary by jurisdiction. It is not a substitute for advice from a CPA, tax attorney, or other qualified professional who knows your specific facts. Don't rely on this site alone to make tax or legal decisions. Nothing on this site is intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code.
This site may link to third-party websites, tools, or companies for reference. I don't control those sites and am not responsible for their content, accuracy, availability, or privacy practices. A link is not an endorsement of everything on the linked site, and you should review any third-party site's own terms and policies before using it.
This site and its content are provided "as is," without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose. The calculators are simplified educational tools, not financial planning software, and their outputs can contain errors. To the fullest extent permitted by law, I am not liable for any loss or damage arising from your use of, or reliance on, this site or its content.
By using this site, you agree it's provided for general educational purposes and that you're responsible for your own financial decisions. These disclosures, together with the Privacy Policy, govern your use of the site and are interpreted under the laws of the State of New Jersey, without regard to conflict-of-law principles.
I hold an active Certified Public Accountant license issued by the New Jersey State Board of Accountancy. This site is not provided in my capacity as a CPA. I am not engaged in the practice of public accounting here, I am not performing attest, tax, or advisory services for any reader, and nothing on this site or any linked social media account creates a CPA-client relationship. I'm sharing what I've learned as a writer and educator, using the same credential that shapes how I think about money, not as your accountant.
I write and run this site independently of my employer. The opinions here are my own and don't represent the views, positions, or endorsement of my current or any past employer.
I believe what I write, but I also make mistakes, and the world changes. If you see something that looks wrong, I genuinely want to hear about it — the fastest way to reach me is by email at simplemoneyadvice123@gmail.com or through LinkedIn.
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