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Note that I may mention the work of other individuals and/or organizations. This does not mean I am endorsing their ideas, beliefs, products, or services.  Nor does this mean other individuals and/or organizations endorse my ideas, beliefs, products, or services.  I believe in citation of other's work, intellectual property, ideas, and where I may have first been made aware of an issue or topic. 

This website/podcast/email series is an educational and informational resource for those interested in personal finance and personal development. It is not a substitute for working with a professional counselor, therapist, psychologist, accountant, certified financial planner, insurance provider, nor investment firm. I cannot guarantee the outcome of following the recommendations provided.

I am not a licensed psychologist or health care professional and my services do not replace the care of psychologists or other healthcare professionals. Coaching is in no way to be construed or substituted as psychological counseling or any other type of therapy or medical advice. I will at all times exercise my best professional efforts, skills and care.

My statements about the potential outcome are expressions of opinion only. I make no guarantees about the information and recommendations provided herein. By continuing to use/read/participate in this website/podcast/email series you acknowledge that I cannot guarantee any particular results, as such outcomes are based on subjective factors that are not within my control. Therefore, following any information or recommendations provided on this email series are at your own understanding, discretion and risk. If you require advice specific to your circumstances consider hiring a professional suited for your purpose.  
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