Last Updated: January 1, 2026
Welcome to lcfplanner.com (the "Site"). By accessing this Site, and requesting our Excel-based tools (the "Product"), or using our educational resources, you agree to be bound by these Terms of Service. If you do not agree, please do not use this Site or its materials.
1.1. No Professional Financial Status: The creator of this Site is an Engineer, not a Certified Financial Planner (CFP), Registered Investment Advisor (RIA), licensed accountant, or tax professional.
1.2. Not Financial Advice: All content, tools, and data provided on this Site—including modules on Income, Expenses, Savings, Taxes, Withdrawals, Investments and Special Topics—are for informational and educational purposes only. Nothing on this Site constitutes financial, investment, legal, or tax advice.
1.3. Mathematical Modeling: The Product and educational materials are mathematical frameworks designed to model potential outcomes based on engineering logic. They are not a recommendation to buy or sell any financial instrument or to adopt a specific tax or retirement strategy.
2.1. Scope of Content: Our educational resources cover general financial lifecycle concepts. These are theoretical models; your actual financial journey will be influenced by variables beyond the scope of these materials.
2.2. Tax & Legal Information: While we discuss strategies for tax optimization and withdrawals, these are for illustrative purposes. Tax laws are subject to frequent change and vary by jurisdiction. You must consult a qualified tax professional before implementing any tax-related strategy.
2.3. Data Accuracy: Historical performance data for market indices and ETFs are sourced from third-party providers. While we strive for accuracy, we do not guarantee its completeness or timeliness. Past performance is not indicative of future results.
3.1. "As-Is" License: We grant you a personal, non-exclusive license to use the Excel spreadsheet Product. It is provided "as-is" without any warranties.
3.2. User Input Responsibility: The outputs of the Product are entirely dependent on the variables you input. You are responsible for verifying the accuracy of your data and the resulting calculations.
3.3. Personal Use Only: You may not redistribute, resell, or publicly share the Product or its proprietary formulas without express written consent.
4.1. No Liability for Loss: To the maximum extent permitted by law, Lifecycle Finance shall not be liable for any direct, indirect, or consequential financial losses, damages, or missed investment opportunities resulting from the use of our tools, data, or educational materials.
4.2. "Sophisticated" Topics: Use of "Special Topics" or advanced wealth-building concepts is at your own risk. These topics often involve higher complexity and risk factors.
4.3. Indemnification: You agree to indemnify and hold the creator harmless from any claims or expenses arising out of your use of the Site or your reliance on any information provided herein.
All content on this Site, including the unique logic and structure of the Excel Product and the educational framework, is the intellectual property of Lifecycle Finance.
6.1. Changes: We reserve the right to modify these Terms at any time. Your continued use constitutes acceptance of the updated Terms.
6.2. Governing Law: These Terms are governed by the laws of South Carolina, USA.
For technical questions regarding the tools or materials, please contact:
Email: admin@lcfplanner.com