Investment Disclaimer

Last Updated: March 3rd, 2026

The information provided by Compounding Memo LLC, doing business as The Compounding Memo (“Compounding Memo,” “we,” “us,” or “our”), on compoundingmemo.com (the “Website”), including all newsletters, subscription content, emails, downloadable PDFs, portfolio allocations, model portfolio updates, and any other materials (collectively, the “Content”), is provided for informational and educational purposes only.

By accessing or using this Website or any Content, you acknowledge and agree to the terms of this Investment Disclaimer.

1. Not Investment Advice

Nothing on this Website or in any Compounding Memo newsletter, email, report, or publication constitutes or should be interpreted as:

  • Investment advice

  • Financial advice

  • Legal advice

  • Tax advice

  • Accounting advice

  • A recommendation to buy, sell, or hold any security

  • An offer or solicitation to purchase or sell securities

Compounding Memo is not a registered investment adviser, broker-dealer, or financial planner.

Any discussion of securities, asset classes, or investment strategies is general in nature and is not tailored to any individual’s financial circumstances.

2. No Client Relationship; No Fiduciary Duty

Your use of the Website or subscription services does not create a client relationship between you and Compounding Memo.

Compounding Memo does not provide personalized investment advice, does not manage client assets, and does not act as a fiduciary.

You are solely responsible for evaluating whether any information provided is appropriate for your personal financial situation.

3. Investing Involves Risk

All investing involves risk, including the possible loss of principal. There is no guarantee that any investment strategy, model portfolio, or security discussed will be profitable.

Market conditions, interest rates, inflation, company performance, and other economic factors may materially affect results.

You should not invest money you cannot afford to lose.

4. Past Performance Is Not Indicative of Future Results

Any historical returns, back tests, performance examples, or commentary on past market behavior are not guarantees of future performance.

Past performance does not predict future outcomes.

5. Model Portfolios and Hypothetical Performance

Compounding Memo may publish portfolio allocations, model portfolio weights, example portfolios, or investment strategies.

These portfolios are hypothetical and are presented for educational purposes only.

Model portfolio results may differ significantly from real-world investor outcomes due to factors including but not limited to:

  • Market timing differences

  • Execution delays

  • Bid/ask spreads

  • Liquidity constraints

  • Commissions and fees

  • Slippage

  • Tax consequences

  • Dividend reinvestment differences

  • Personal account restrictions

  • Differences in portfolio size

  • Concentration risk in individual positions

You may not be able to replicate the performance of any model portfolio.

6. No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, Compounding Memo makes no representation or warranty as to the accuracy, completeness, or reliability of any Content.

Information may become outdated quickly and may contain errors, omissions, or inaccuracies.

Compounding Memo is not responsible for any losses or damages resulting from reliance on the Content.

7. Third-Party Data Sources

Certain portfolio calculations, price data, performance figures, and total return metrics may rely on third-party sources, including but not limited to Google Sheets and Google Finance.

Third-party data sources may provide incorrect, incomplete, delayed, or inaccurate information.

Compounding Memo does not guarantee the accuracy of any third-party market data or calculations derived from such data, and we are not liable for errors caused by third-party providers.

You are responsible for independently verifying any market data before making investment decisions.

8. Forward-Looking Statements

The Content may contain forward-looking statements, projections, expectations, opinions, or assumptions regarding markets, securities, or economic conditions.

Such statements are inherently uncertain and are subject to risks and factors that may cause actual outcomes to differ materially.

No forward-looking statement should be interpreted as a guarantee of future performance.

9. Tax and Legal Matters

Any discussion of taxes, legal issues, or regulations is provided for general educational purposes only and may not apply to your individual situation.

You should consult a qualified tax professional, attorney, or financial adviser regarding your personal circumstances.

10. Testimonials and Examples

Any examples, case studies, or illustrative scenarios are for educational purposes only and are not guarantees that similar results will be achieved.

11. Affiliate Relationships and Compensation Disclosure

Compounding Memo may in the future participate in affiliate programs or advertising arrangements where we may receive compensation for referrals, advertisements, or product recommendations.

If we receive compensation for any link, product mention, or service reference, we will strive to disclose this relationship in a clear manner.

Regardless of compensation, all opinions expressed are our own.

12. Limitation of Liability

To the maximum extent permitted by law, Compounding Memo LLC and its owners, employees, contractors, or affiliates shall not be liable for any losses, damages, or costs arising out of or related to:

  • Your use of the Website or Content

  • Your reliance on any information provided

  • Your investment decisions

  • Errors or inaccuracies in data or analysis

  • Third-party platform failures

You agree that your use of the Website and Content is at your own risk.

13. Your Responsibility

You are solely responsible for your investment decisions and financial outcomes.

You should always perform your own due diligence and consult qualified professionals before making any investment decision.

14. Contact Information

If you have questions about this Investment Disclaimer, you may contact us at:

Compounding Memo LLC

North Carolina, United States

Email: contact@compoundingmemo.com

Website: https://compoundingmemo.com