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BrandFarmer LLC (DBA Number Crunch Nerds) an all owners and employees, are hereinafter referred to collectively as "we" or "us." By using the "Content" you agree to be bound by this Disclaimer and Terms of Use. The "Content" consists of all files, downloads, templates, planners, spreadsheets, calculators, the "Financial & Retirement Planning Calculator," and any and all other materials you utilize, view, purchase or otherwise obtain from "Us." The "Content" also consists of all videos, audio files and any and all other communications you utilize, view, purchase or otherwise obtain from "Us." The Content has been prepared and provided to you for educational purposes only. You agree that you are using the content for educational purposes only. The Content does not contain financial advice. The Content does not contain tax advice. The Content does not contain retirement planning advice. We are not advising or recommending that you follow any financial or retirement strategy of any kind in any situation. We are not advising or recommending that you take any tax position of any kind in any situation. The Content cannot be used to avoid any tax penalties that may be imposed on you by any taxing authority. We are not advising or recommending that any topic discussed or demonstrated within the content is appropriate or inappropriate for you. IT IS HIGHLY RECOMMENDED THAT YOU EMPLOY THE SERVICES OF A COMPETENT & CERTIFIED FINANCIAL ADVISOR, CPA, TAX OR OTHER APPROPRIATE PROFESSIONAL BEFORE UNDERTAKING ANY FINANCIAL OR RETIREMENT PLANNING ACTIONS, EMPLOYING ANY FINANCIAL OR RETIREMENT PLANNING STRATEGIES, ENGAGING IN ANY FINANCIAL OR RETIREMENT PLANNING DECISIONS, AND/OR FILING ANY TAX RETURNS OR DOCUMENTS OF ANY KIND WITH ANY TAXING AUTHORITY. The Content should not be used as a basis to prepare any Federal, State or Local Tax Returns. 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