Important Information Disclosure
janovaruthen provides informational consultations and guidance on personal financial planning
matters. All advice and recommendations are educational in nature and should be
considered alongside professional financial advisory services. We do not provide
investment advice, portfolio management services, or guaranteed financial outcomes.
Results may vary based on individual circumstances, market conditions, and personal
actions taken. Past performance or examples discussed do not guarantee future results.
All financial decisions remain the sole responsibility of the individual. Our
consultations are designed to help you explore options and understand financial
concepts, not to direct specific investment actions. Always conduct thorough research
and consider consulting licensed financial advisors before making significant financial
decisions. Information provided during consultations is current as of the consultation
date and may change over time.