Disclaimer

Before65 is a personal publication written by Chintan Patel, an airline pilot. It is not a financial, investment, tax or legal advisory service.

Education and experience, not advice

Everything on this site, in the newsletter and in related social media posts is general information and personal experience, written for a general audience. Nothing here is a recommendation to buy, sell or hold any security, or to follow any particular strategy. It does not consider your finances, goals, taxes or tolerance for risk.

Not a licensed professional

I am not a registered investment adviser, broker-dealer, financial planner, accountant or attorney. Talk to a qualified professional who knows your situation before making financial, tax or legal decisions.

No individual advice

I don't give personal financial advice by email, in comments or in direct messages. If you ask what you should do with your money, I'll point you to a qualified professional.

Hypotheticals and numbers

Charts and figures labeled hypothetical are illustrations built on stated assumptions. They are not forecasts, projections of any real account, or actual results. Investing involves risk, including loss of principal. Past performance does not guarantee future results.

Accuracy

I cite sources and check numbers, but information can be incomplete, contain errors or go out of date. Contribution limits, tax rules and regulations change. Check current official sources before acting on anything you read here.

Holdings and conflicts

Before65 does not accept payment from companies or products it writes about. If I discuss a specific investment I personally own, I'll say so in that piece.

Personal views

The opinions here are my own. They do not represent the views of any employer, union or other organization I'm part of.