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Disclosures & Risk Disclaimer
Please read the following disclosures carefully before using 401kToolworks.com.
Last updated: January 2026
Investment Risk
All investment strategies involve risk, including the possible loss of principal. Past performance is not indicative of future results. The allocation guidance provided by 401kToolworks.com is based on quantitative models that may not perform as expected in all market conditions.
No Advisory Relationship
401kToolworks.com is not a registered investment adviser, broker-dealer, or financial planner. Nothing on this website constitutes personalized investment advice. You are solely responsible for all investment decisions.
Methodology Limitations
Our models are based on historical data and quantitative rules. No model can guarantee future performance. Market conditions can and do change in ways that historical data cannot anticipate.
Regulatory Notice
The information provided on this website is for educational purposes only and is not intended as legal, tax, or investment advice. Consult a qualified professional before making any investment decisions.
By using 401kToolworks.com, you acknowledge that you have read, understood, and agree to be bound by these disclosures. If you do not agree, please discontinue use of the service immediately.