Personal Investing, Insurance, Financial Planning, and Tax Disclosure
Jason B. Ball & Breakwater Path
Effective Date: April 2025
1. Purpose of This Disclosure
This disclosure clarifies the limitations of Jason B. Ball’s professional background in relation to the content published on Breakwater Path. It outlines the non-advisory nature of all materials shared through breakwaterpath.com/, our YouTube channels, social media accounts, and any related public-facing content.
By engaging with Breakwater Path, you acknowledge and agree that:
- Jason B. Ball is not providing personalized investment, insurance, tax, or financial planning advice.
- No client relationship or fiduciary duty is created through the use of this site.
- All content is for general educational, analytical, and entertainment purposes only.
2. Jason B. Ball’s Professional Designations — For Context, Not Services
Jason B. Ball holds the following nationally recognized professional designations:
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Chartered Financial Consultant® (ChFC®)
- Chartered Life Underwriter® (CLU®)
⚠️ However, Jason is not acting as a practicing CFP®, ChFC®, CLU®, financial planner, insurance agent, investment adviser, tax professional, CPA, or attorney through Breakwater Path.
These designations inform the quality and depth of educational content, but they do not imply the provision of individualized advice or professional services.
3. No Client, Fiduciary, or Advisory Relationship Formed
By reading, watching, or interacting with content on Breakwater Path, you are not entering into any of the following relationships with Jason B. Ball or the platform:
- Financial planning client
- Fiduciary or investment advisory relationship
- Insurance agent-client relationship
- Tax advisor-client or CPA-client relationship
- Legal counsel or attorney-client relationship
➡️ Breakwater Path does not offer personalized advice, financial product recommendations, policy evaluations, tax strategies, or investment planning.
4. Not Personalized Financial, Insurance, Legal, or Tax Advice
⚠️ All content provided on Breakwater Path is general in nature and does not take into account your individual financial goals, tax position, or risk tolerance.
You should never rely on Breakwater Path content to make financial, tax, investment, insurance, or legal decisions without first consulting with:
- A CERTIFIED FINANCIAL PLANNER™ (CFP®)
- A licensed insurance agent or broker
- A Registered Investment Adviser (RIA)
- A Certified Public Accountant (CPA), Enrolled Agent (EA), or tax attorney
- A licensed estate planning attorney or legal professional
5. No Endorsement of Products, Companies, or Financial Strategies
Mentions of products, services, companies, or financial strategies on Breakwater Path are for educational and illustrative purposes only.
They do not constitute:
- An endorsement or recommendation
- A business partnership, sponsorship, or affiliation
- A claim that Jason B. Ball personally uses or endorses any mentioned platform or service
➡️ Readers and viewers should conduct their own due diligence and seek independent advice before engaging with any product or strategy.
6. Limitations of Liability
⚠️ Breakwater Path and Jason B. Ball expressly disclaim all liability for financial, investment, tax, or legal decisions made based on our content.
We are not responsible for:
- Financial losses, missed opportunities, tax liabilities, or insurance coverage gaps
- Any negative outcome resulting from actions based on content found on this platform
- User reliance on general commentary or educational materials as a substitute for professional consultation
All content is provided “as is”, without warranties of accuracy, completeness, applicability, or timeliness.
7. Summary of Key Points
| Aspect | Summary |
|---|---|
| Educational Use Only | Content is for general education and entertainment, not advice. |
| No Client or Fiduciary Relationship | No professional or personal relationship is formed. |
| Jason’s Credentials | Not acting in a professional capacity as CFP®, ChFC®, CLU®, or agent. |
| No Endorsements | Mentions of products, platforms, or tools are illustrative only. |
| User Responsibility | Users must seek professional, licensed advice for personal financial needs. |
| No Liability | Not liable for outcomes based on engagement with our educational content. |
8. Contact for Clarification
If you have questions about this disclosure or Jason’s role in providing educational content:
📧 Email: [email protected]
9. Related Disclaimers & Policies
- General Disclaimer
- Licensing Clarification for Jason B. Ball
- Personal Role Disclosure
- Affiliate & Sponsorship Disclosure
- Product & Strategy Neutrality Disclaimer – Tax
- Humor & Satire in Tax Discussions