No Investment, Tax, or Legal Advice

Informational tool only

Velira is an informational and educational personal-finance tool. Everything it presents — including dashboards, net-worth and performance figures, projections, scenarios, briefings, summaries, and AI-assisted coaching — is provided for general informational and educational purposes only.

The Service is not, and is not a substitute for, individualized professional advice. It does not take into account your particular financial situation, objectives, risk tolerance, or needs in the way a licensed professional advising you would.

Not investment, tax, or legal advice

Nothing in the Service constitutes investment, financial, tax, accounting, or legal advice. The Service does not provide, and should not be relied on as, advice of any kind. Information presented through the Service is not tailored to you and may not be appropriate for your circumstances.

Any figures, calculations, projections, or model outputs are estimates and illustrations, not guarantees, and may be inaccurate or incomplete.

The software itself is not an investment adviser; no advisory or fiduciary relationship from the software alone

The Velira software is not a registered investment adviser, broker-dealer, bank, insurance company, accountant, or law firm, and it does not hold itself out as any of these. The software provides general, impersonal educational information and tools; it does not provide advice that is tailored to your individual financial situation, and it does not give personalized investment recommendations. Using the software alone does not create an investment-advisory, brokerage, fiduciary, accounting, legal, or other professional-client relationship between you and Velira.

The software does not create a fiduciary relationship; it does not manage assets, exercise discretion or trading authority over your accounts, take custody of any asset, or act on your behalf. Connections to financial institutions are read-only, and you place any order yourself, at your own broker, in your own judgment.

The human-professional tiers: personalized advice from a licensed professional

The disclaimers above describe the SOFTWARE. If you engage one of Velira's higher tiers, you additionally receive personalized professional services from a dedicated licensed individual assigned to you, and that is a genuine professional relationship: the professional considers your particular circumstances and gives advice tailored to you. On Velira Wealth, a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional provides personalized financial-planning and investment advice and acts as your FIDUCIARY, held to a best-interest standard. On Velira Tax, a Certified Public Accountant (CPA) provides personal tax planning and prepares and files your personal Form 1040 (personal returns only — not corporate or partnership returns, bookkeeping, or payroll). On Velira Estate, an Estate Planner provides personal legacy planning; where legal documents are drafted or legal advice is given, that work is done by or under the supervision of a licensed attorney in your jurisdiction.

Velira is pursuing registration as an investment adviser with the assistance of counsel. The human-professional tiers are offered only once that registration is effective; upon effectiveness, Velira acts as a fiduciary on those tiers, and the advisory relationship is governed by the Investment Advisory Agreement, Form ADV, and Form CRS published at /legal. Until then, Velira does not provide personalized investment advice.

Even on the human tiers, the relationship is non-discretionary and involves no custody: your professional recommends the move and you decide and place every order yourself, and neither Velira nor your professional ever holds, moves, or trades your assets. The full terms of each professional relationship — its scope, the flat annual fee (no asset-based fee), and the applicable conflict and relationship disclosures — are in the Professional Services & Fiduciary Disclosure and in the written engagement you receive before services begin.

No recommendation to buy, sell, or hold

Nothing in the Service is a recommendation, solicitation, or offer to buy, sell, or hold any security, asset, or financial product, or to adopt any investment strategy or transaction. References to specific securities, assets, allocations, or strategies are illustrative and are not endorsements or recommendations.

Past performance, projections, and no guarantee of results

Past performance is not indicative of, and does not guarantee, future results. Projections, forecasts, scenario analyses, and success-rate or probability figures are hypothetical, are based on stated assumptions that may not hold, and are inherently uncertain; they are not a prediction or promise of any outcome. Where such figures are shown, they are presented with their material assumptions and limitations. Investing involves risk, including the possible loss of principal. The value of investments can go down as well as up.

We do not guarantee, and make no representation as to, any particular investment result, return, income, or level of performance. Nothing in the Service should be read as a testimonial, endorsement, or guarantee of performance.

You are solely responsible

You are solely responsible for evaluating the information the Service provides and for your own financial, investment, tax, and legal decisions. You should not act or refrain from acting based on the Service alone.

Before making any financial decision, consult a qualified, appropriately licensed professional — such as a registered investment adviser, broker, certified public accountant, or attorney — who can consider your specific circumstances. To the fullest extent permitted by law, Velira is not liable for decisions you make or actions you take based on the Service.