What NorthstarFI is and what it is not

NorthstarFI is not a registered investment adviser, broker-dealer, financial planner, or fiduciary. We are not registered with the Securities and Exchange Commission, FINRA, or any state securities regulator in an advisory or dealing capacity.

Nothing on this platform constitutes investment advice, a securities recommendation, an offer or solicitation to buy or sell any investment product, or a substitute for licensed financial, legal, or tax counsel.

NorthstarFI is a planning and information product. It is designed to help you organize financial inputs, model retirement-oriented projections, and review planning scenarios over time. All outputs — scores, projections, readiness indicators, scenario comparisons, and confidence bands — are educational and informational in nature.

They should not be treated as personalized investment advice, tax guidance, legal advice, accounting advice, or guarantees of any financial outcome.

Use of NorthstarFI does not create a fiduciary, advisory, or client relationship between you and NorthstarFI or any person associated with it. We do not act on your behalf, manage assets, or carry any obligation to act in your financial interest in the way a licensed adviser or fiduciary would.

All projections, readiness scores, retirement estimates, scenario outputs, and confidence bands are the product of algorithmic calculations based on inputs you provide and assumptions built into the model. They depend on the accuracy of those inputs, the quality of external data sources, the design and limitations of the underlying model, and assumptions about future economic conditions that may not hold.

Small changes in inputs — retirement age, spending, savings rate, return assumptions, or inflation — can produce meaningfully different outputs. The model is a simplification of a complex and uncertain future. It does not account for all variables that affect financial outcomes.

Any planning estimates, projections, or scenario outputs that reference historical data or expected future conditions are not a guarantee of future performance. Past performance — of markets, investments, or economic conditions — does not guarantee future results. All forward-looking planning estimates carry inherent uncertainty.

Outputs are only as accurate as the data you enter. If planning inputs are incomplete, estimated, outdated, or incorrect, the resulting projections will reflect those limitations. NorthstarFI does not independently verify the accuracy of user-entered data.

You are responsible for keeping planning inputs reasonably current and for reviewing outputs with that limitation in mind.

NorthstarFI does not facilitate investment transactions, hold or custody assets, or act as an intermediary for any financial product. Nothing on this platform should be read as a solicitation to purchase, sell, or transfer any security, insurance product, real estate, or other financial instrument.

NorthstarFI and its operators provide the service on an as-is, as-available basis. To the extent permitted by applicable law, we disclaim liability for any financial loss, planning outcome, tax consequence, investment decision, or other result that arises from your use of — or reliance on — any output, score, projection, or content provided by the product.

Planning outputs are not a basis for claims against NorthstarFI. You should seek independent professional review before making material financial, legal, or tax decisions.

Before acting on any financial planning scenario, projection, or estimate, apply your own independent judgment and, where appropriate, consult licensed professionals. That includes decisions about investing, retirement timing, Social Security claiming strategy, tax treatment, estate planning, insurance coverage, debt management, and any other material financial matter.

A registered financial planner, CPA, estate attorney, or other licensed professional can address aspects of your situation that a planning tool cannot model.

If you are using NorthstarFI during the beta period, you should additionally assume that calculations, model design, labels, workflows, and data integrations are still evolving. Beta outputs may be less reliable than those of a finished product. They are useful for learning and exploration, but should not be used as the sole basis for material financial decisions without independent professional review.

This disclaimer was last updated in 2026. It may be revised as the product and applicable regulations evolve. Continued use of NorthstarFI constitutes acknowledgment of the current version of this disclaimer.