Disclaimer

Coaching, not advice

Darrul provides financial coaching and financial education only. Darrul is not a registered investment adviser, broker-dealer, CPA firm, law firm, insurance producer, mortgage broker, or credit repair organization. Nothing on this website or in any coaching session is investment, securities, legal, tax-return, accounting, or credit-repair advice, and nothing should be relied upon as such.

No advisory or fiduciary relationship

Your use of this website, the free Money Checkup, educational content, or coaching services does not create an advisory, fiduciary, or professional-client relationship of any kind. Decisions you make about your money remain yours.

No guarantees of results

Individual results vary and depend on your circumstances, decisions, and follow-through. Darrul makes no guarantee regarding debt payoff, savings, credit scores, income, or any other financial outcome. Any examples or testimonials describe individual experiences and are not typical or guaranteed.

Secure document handling

Statements and planning documents should be shared only through the secure client portal. We never ask for your bank usernames or passwords. You may redact any information you are not comfortable sharing, though incomplete information may limit what coaching can address.

AI-assisted tools

Darrul uses AI-assisted tools for drafting, categorization, and summarization. These tools support — and do not replace — a human coach. All plans and deliverables are reviewed by a human before being provided to you. AI-assisted tools do not provide advice, and we do not use your data to train third-party models.

Third-party partners and links

Darrul may introduce you to independent licensed professionals and may link to third-party websites. We do not control those professionals or websites and are not responsible for their services, content, or practices. Their terms and disclosures apply to your relationship with them. Darrul may receive flat marketing fees or other permitted compensation for introductions, disclosed where required by law.

Educational content

Articles and guides on this site are general educational information, not personalized advice. They may not apply to your situation and may become outdated. Always confirm important decisions with qualified professionals.

Tax services

Tax preparation and planning services, where offered, are performed by a credentialed preparer holding an IRS PTIN and EFIN, under a separate engagement. Nothing on this website constitutes tax advice for your specific situation.