Licensing and Representation Disclaimer (Financial Planning)
Effective Date: March 2025
1. Purpose of This Disclaimer
This Licensing and Representation Disclaimer (Financial Planning) clarifies that although Jason B. Ball holds respected financial planning credentials—including CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Financial Consultant® (ChFC®)—he is not acting as a financial planner, fiduciary, or professional financial adviser through Breakwater Path.
By engaging with www.breakwaterpath.com, our blog, YouTube Channel, or affiliated social media content, you acknowledge and agree that Breakwater Path offers only general educational commentary and not individualized financial advice or services.
2. Credentials Provided for Educational Transparency Only
Jason B. Ball holds the following professional designations:
- CERTIFIED FINANCIAL PLANNER™ (CFP®) – Demonstrates training and experience in comprehensive financial planning.
- Chartered Financial Consultant® (ChFC®) – Reflects deep knowledge in estate planning, retirement, investments, and insurance.
⚠️ These credentials are shared for transparency, not as an indication of a professional service relationship. Jason is not currently acting in a licensed advisory, planner, or fiduciary role through this platform.
3. No Financial Planning or Fiduciary Role on This Site
Breakwater Path does not offer:
- Individual financial planning services
- Customized investment or retirement strategies
- Insurance, tax, or estate planning tailored to you
- Ongoing fiduciary management or oversight
Engaging with our content does not create a fiduciary, client-planner, or advisory relationship.
4. Educational Use Only – No Personalized Advice
All content published or shared by Breakwater Path—including blog posts, videos, downloads, and social commentary—is educational and general in nature.
We do not:
- Analyze your personal finances
- Recommend financial products or providers
- Offer specific strategies for retirement, investing, or saving
- Replace the role of a licensed financial professional
5. No Endorsement of Financial Products or Services
Mentions of specific financial products, services, platforms, or companies are:
- For illustrative purposes only
- Not to be interpreted as endorsements or partnerships
- Governed by our Affiliate & Sponsorship Disclosure
Breakwater Path maintains editorial independence and neutrality in all content.
6. User Responsibility to Seek Licensed Advice
⚠️ You are solely responsible for consulting with a licensed financial professional before acting on any information shared here.
You should consider working with a:
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Registered Investment Adviser (RIA) or IAR
- Certified Public Accountant (CPA)
- Attorney (estate, tax, or legal planning)
- Licensed Insurance Professional
7. Limitation of Liability
Breakwater Path, including Jason B. Ball and any contributors, disclaims all liability for:
- Financial losses from reliance on our content
- Poor decisions based on misunderstood examples
- Outdated or inaccurate financial information
All content is provided “as-is” with no guarantees or warranties regarding accuracy or applicability.
✅ Summary of Key Points
| Aspect | Summary |
|---|---|
| Credentials for Education Only | Jason holds CFP® and ChFC®, but is not practicing here. |
| No Planner or Fiduciary Role | Jason is not offering planning or advice through Breakwater Path. |
| Educational Content Only | All content is general and non-personalized. |
| No Endorsements | Product mentions are illustrative only. |
| User Responsibility | Users must seek licensed, independent advice. |
| No Liability | We are not responsible for outcomes from content engagement. |
8. Contact for Clarifications
📧 Email: [email protected]
For questions or clarification regarding this disclaimer.