Not financial, tax, investment, or legal advice
Glidepath is an informational and educational tool. Nothing it produces - no chart, table, narrative, AI-generated explanation, projection, or optimizer suggestion - is financial, tax, investment, legal, or accounting advice. And nothing here is a recommendation to buy, sell, or hold any security, account, insurance product, real estate, or other asset.
Glidepath is not a registered investment adviser, broker-dealer, financial planner, tax preparer, attorney, accountant, insurance agent, or fiduciary, in any jurisdiction. Using Glidepath does not create any advisory, fiduciary, client, or professional relationship between you and Glidepath, its operators, or its contributors.
It is a model. The future is not.
Glidepath’s projections come from a Monte Carlo simulation that draws on historical market data and on assumptions about returns, inflation, sequence of returns, tax rules, longevity, Social Security, currency movements, and future legislation. Every one of those inputs is uncertain. Real markets, real tax codes, and real life will differ - sometimes by a lot.
Headline outputs you may see in Glidepath - including the success rate, the freedom number, the projected end balance, the safe withdrawal band, the relocation comparisons, the tax estimates, and any AI-written summary of any of these - are model results, not guarantees, predictions, or promises. Past performance does not predict future results. A 95% success rate is not a 95% chance you will be fine; it is the model’s result given the model’s assumptions.
AI outputs may be wrong
Glidepath uses large language models - Anthropic’s Claude (Claude Haiku 4.5 and Claude Sonnet 4.6), run on AWS Bedrock in the EU over de-identified numbers - to summarize, explain, and answer questions about your plan. AI models can be confidently wrong. They can misread your inputs, invent figures, miscalculate, cite rules incorrectly, or describe a scenario that does not match what the underlying engine actually computed.
Treat any AI-generated text in Glidepath as a starting point for your own thinking, never as a final answer. If an AI claim affects a decision, verify it against the underlying figures and against an independent source before acting on it.
Tax, residency, and cross-border treatment is simplified
Glidepath models tax rules - including US federal income tax, state taxes, Social Security, required minimum withdrawals (RMDs), foreign country income tax, and the cross-border treatment of a US citizen resident abroad under US rules and applicable tax treaties - at the level of detail appropriate for retirement planning. It is not a tax return, a tax opinion, or a substitute for advice from a qualified cross-border tax professional.
Rules change. Treaties change. Your personal facts will not map cleanly onto any model. If you are considering a relocation, a Roth conversion, a pension election, an estate decision, a citizenship change, or any other irreversible tax-sensitive move, you must consult a qualified, licensed professional in the relevant jurisdictions before acting.
Your inputs drive the output
The plan is only as accurate as the numbers, ages, dates, account types, expenses, and assumptions you enter. Glidepath does not independently verify your inputs. Errors, omissions, or stale figures in what you provide will flow directly through to the projections and any advice-shaped text the product generates from them.
Review your inputs regularly. If a figure in Glidepath looks wrong, it probably is.
We do not hold, move, or manage your money
Glidepath does not custody assets, execute trades, transfer funds, file taxes, or move money on your behalf. We do not connect to your brokerages to place orders. No output of Glidepath should be treated as an instruction that we, or anyone else, will act on for you.
Consult licensed professionals before acting
Before making any financial, tax, investment, retirement, estate, insurance, relocation, or citizenship decision - especially one that is hard to reverse - you should consult one or more appropriately licensed professionals (a certified financial planner, a CPA or chartered tax adviser, an estate attorney, an immigration attorney, a cross-border specialist) qualified in the jurisdictions that apply to you.
Glidepath is intended to help you ask better questions of those professionals, not to replace them.
Forward-looking statements
Statements about future returns, future tax rates, future inflation, future currency movements, future longevity, future Social Security cost-of-living adjustments, and future legislation are forward-looking and inherently uncertain. Actual results will differ, and may differ materially.
No warranty; limitation of liability
Glidepath is provided “as is” and “as available”, without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
To the maximum extent permitted by law, Glidepath, its operators, and its contributors disclaim all liability for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of the product, including any decision you make or decline to make in reliance on any output of the product.
By using Glidepath you acknowledge that any decision you make based on its output is your decision and your responsibility.
Changes to this disclaimer
This disclaimer may be updated as the product evolves. The version visible at this URL is the current version. Continued use of Glidepath after a change constitutes acceptance of the updated disclaimer.