No Client-Planner or Fiduciary Relationship Disclaimer — Breakwater Path
Effective Date: March 2025
1. Purpose of This Disclaimer
This No Client-Planner or Fiduciary Relationship Disclaimer explains that Breakwater Path does not establish a financial planner-client relationship, fiduciary duty, or professional advisory relationship through any of its content, including blog articles, videos, and social media posts.
By accessing www.breakwaterpath.com, our YouTube Channel, or affiliated platforms, you acknowledge and accept that your use of this content does not create any formal relationship between you and Breakwater Path or Jason B. Ball.
2. No Financial Planner-Client Relationship Is Formed
⚠️ Breakwater Path does not offer personal financial planning services, consultations, or customized strategy development.
- Accessing our website, videos, or social media does not create a formal relationship.
- No contracts, fiduciary obligations, or client services are established by viewing or engaging with our content.
- We do not create, analyze, or monitor personal financial plans.
3. No Fiduciary Duty or Obligation
⚠️ Breakwater Path and Jason B. Ball are not acting as fiduciaries or personal financial planners through this platform.
- No legal or ethical obligation exists between Breakwater Path and readers/viewers.
- We do not manage finances, advise on asset allocation, or serve in a representative or fiduciary capacity.
- Users should not assume any obligation of care, loyalty, or best-interest duty is owed.
4. Educational Use Only — Not Personalized Financial Advice
All content published by Breakwater Path is general in nature and for educational and informational purposes only. We do not:
- Tailor recommendations based on your specific financial situation.
- Analyze your financial data, tax return, or estate plans.
- Provide product-specific advice on insurance, investments, or tax strategy.
⚠️ Please consult a licensed CFP®, tax professional, attorney, or adviser before making financial decisions.
5. Professional Designations Do Not Create a Relationship
Although Jason B. Ball holds CFP®, ChFC®, and CLU® credentials, and formerly operated a Registered Investment Adviser firm, he is not acting in any professional or fiduciary capacity via Breakwater Path.
- These credentials demonstrate knowledge and experience.
- They do not imply an ongoing adviser-client relationship with any reader, viewer, or user.
6. Your Responsibility as a User
You are solely responsible for:
- Applying general financial information to your unique situation.
- Verifying the relevance and accuracy of content before making decisions.
- Consulting licensed professionals for legal, tax, investment, or insurance advice.
⚠️ Breakwater Path is not responsible for your financial decisions or outcomes.
7. Limitation of Liability
Breakwater Path, Jason B. Ball, and all contributors disclaim all liability for actions, decisions, or outcomes taken as a result of using our content.
We are not responsible for:
- Financial losses, missed opportunities, or suboptimal outcomes.
- Misinterpretations of general education as professional advice.
- Errors, omissions, or outdated information within the content.
⚠️ All materials are provided “as-is,” without warranties or guarantees.
✅ Summary of Key Points
| Aspect | Summary |
|---|---|
| No Client Relationship | Viewing content does not create a financial planning relationship. |
| No Fiduciary Duty | No obligation to act in the best interest of users. |
| Educational Content Only | General financial literacy, not personalized advice. |
| No Professional Role | Jason B. Ball is not acting as your personal financial planner. |
| User Responsibility | Users must seek professional, licensed advice. |
| No Liability | Breakwater Path is not liable for financial decisions. |
8. Contact for Clarifications
For any questions or to request clarification about this disclaimer, please contact:
📧 Email: [email protected]