Terms of Service

Effective September 14, 2026

These Terms of Service govern your use of MyWealthExposure™ and the Wealth Exposure Report. MyWealthExposure™ is operated by Bueter Research. By using the website, application, modeling tools, or purchasing a Wealth Exposure Report, you agree to these Terms.

Educational Modeling Tool

MyWealthExposure™ is an educational modeling and stress-testing tool. Nothing provided through MyWealthExposure™ is legal, tax, accounting, investment, or financial advice; a recommendation of any product or strategy; or a prediction of future law.

Estimates and Modeled Results

The figures shown by MyWealthExposure™ are estimates generated from the information you enter, assumptions incorporated into the model, and tax, retirement, Medicare, and other rules incorporated into the tool as of the date shown. They are intended to illustrate how different rules and assumptions can affect financial outcomes.

Actual results may differ materially because of changes in income, account values, withdrawals, filing status, tax law, Medicare rules, personal circumstances, or information not included in the model.

Scenarios involving rule changes are stress tests. Depending on the scenario, they may reflect existing law, previously enacted changes, proposals, scheduled changes, historical precedent, or an expressly hypothetical change. They are presented to measure exposure to changing rules—not to predict what Congress, the IRS, Medicare, or any other government entity will do.

Income Modeling

MyWealthExposure™ uses the adjusted gross income, taxable income, and tax-exempt interest you enter. If you identify taxable withdrawals already included from retirement accounts modeled by the tool, the application removes that amount from its starting income calculation to reduce double-counting. Medicare surcharge modeling uses AGI plus tax-exempt interest as a simplified MAGI input and does not reconstruct every tax-return component or the Medicare two-year lookback. Only items specifically incorporated into the model are reflected in the results.

Not Tax-Preparation Software

MyWealthExposure™ is not tax-preparation software and does not prepare or file a tax return. Before relying on a modeled result for a tax, investment, retirement, insurance, or other significant financial decision, consider having the relevant facts reviewed by an appropriately qualified professional.

Information You Provide

You are responsible for the completeness and accuracy of information you enter. Results generated from incomplete, inaccurate, outdated, estimated, or incorrectly categorized information may also be incomplete or inaccurate. Balances are entered manually. MyWealthExposure™ does not connect directly to your financial accounts.

Wealth Exposure Report

The Wealth Exposure Report is a personalized educational information product based on information entered into the application and the methodology incorporated into MyWealthExposure™. Purchase of the Report does not establish an advisory, fiduciary, accounting, legal, insurance, or tax-professional relationship.

Report ownership is associated with the email address used to purchase access and may require verification when access is restored on another browser or device.

Payments

Payment processing is provided by Stripe. You agree to provide accurate information necessary to complete a transaction and authorize the applicable charge when you submit payment. The price displayed at checkout is the price applicable to that transaction.

Refunds

Purchases of the Wealth Exposure Report are eligible for a refund when requested within 7 calendar days of the purchase date, subject to the Refund Policy posted on this website. Upon refund, access to the purchased Report may be terminated.

Personal Fit Review

Scheduling a Personal Fit Review is initiated by you. The review is conducted by a separately licensed financial professional and is distinct from the MyWealthExposure™ educational modeling tool.

Scheduling a review does not require you to purchase any additional financial or insurance product. Any professional services, recommendations, product discussions, or later relationship are separate from the educational modeling service and may be subject to additional disclosures, licenses, agreements, or terms.

Intellectual Property and Permitted Use

MyWealthExposure™, the Exposure Score methodology, Wealth Exposure Report, website design, calculations, written material, graphics, software, branding, and related content are protected by applicable intellectual-property laws. You may use the service and a Report you purchase for your own personal use.

You may not, without permission, copy or reproduce substantial portions of the service; reverse engineer or systematically extract the methodology or software; resell, sublicense, publish, or commercially distribute a Report or the underlying service; use automated systems to scrape or reproduce the service; or attempt to bypass payment, access, or security controls.

Availability and Changes

We may modify, update, correct, suspend, or discontinue portions of the service. Tax laws, retirement rules, Medicare provisions, assumptions, formulas, and other inputs may change over time. We do not guarantee that every rule change will be incorporated immediately.

Third-Party Services

The service relies on third parties that may include hosting, payment processing, email-delivery, database, analytics, and other technology providers. We are not responsible for interruptions or failures caused by third-party services beyond our reasonable control.

No Warranty

To the maximum extent permitted by law, MyWealthExposure™ is provided on an “as available” basis without a guarantee that calculations, projections, availability, or other results will be error-free or suitable for every individual circumstance. Nothing in these Terms excludes rights that cannot legally be excluded.

Limitation of Liability

To the maximum extent permitted by applicable law, MyWealthExposure™, its operator, and their service providers will not be liable for indirect, incidental, special, consequential, or similar damages arising from reliance on modeled results, future rule changes, user-provided information, interruption of the service, or decisions made using the service. Nothing in these Terms limits liability that cannot lawfully be limited.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where applicable consumer law requires otherwise.

Severability

If a provision of these Terms is determined to be unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

Changes to These Terms

We may update these Terms as the service changes. The effective date shown above identifies the current version. Continued use after an updated version becomes effective constitutes acceptance to the extent permitted by law.