By using this site you agree to these terms. If you do not agree, please do not use the site.
Last updated: August 6, 2026
What this site is for
This site is operated by WBFIN LLC, doing business as Wealth Building Financial. It describes our services and provides general education about U.S. tax, retirement, education, and wealth-transfer planning.
Content is general information
Everything here — articles, calculators, checklists, market data — is general information. It is not tax, legal, accounting, or investment advice for your situation, and it is not an offer or recommendation of any security or insurance product.
Rules change over time, and many depend on your income, filing status, state, and household. Consult a qualified professional about your circumstances before acting. See Important Disclosures for the fuller explanation.
Using this site does not make you a client
Reading the site, using a calculator, subscribing to email, or submitting the contact form does not make you a client. An advisory relationship begins only when both parties sign a written service agreement, which governs scope and fees.
Calculators
The calculators use simplified assumptions to help you compare the rough difference between choices. They are not suitable for tax filing and do not reflect your full situation. Actual results will differ with tax law changes, investment performance, inflation, and personal circumstances.
Third-party links and data
We link to the IRS, the Social Security Administration, the Federal Reserve, and other outside sites, and we display economic data from FRED (Federal Reserve Bank of St. Louis). We do not control that content and make no warranty as to its accuracy, completeness, or availability. Third-party data may lag or be revised.
Intellectual property
The text, design, and graphics on this site belong to WBFIN LLC unless otherwise noted. You may read, print, and share the content for personal, non-commercial use with attribution. Commercial reuse requires written permission.
Limitation of liability
This site is provided "as is." To the extent permitted by law, WBFIN LLC is not liable for losses arising from use of, or reliance on, this website. This does not affect obligations we owe clients under a written service agreement.
Changes to these terms
We may revise these terms; the revised version takes effect when posted, and the date at the top of this page is updated.
Governing law
These terms are governed by U.S. federal law and the laws of the State of Maryland, without regard to conflict-of-law rules.
Contact
Questions about these terms: info@wbfina.com or (502) 822-6413.