1. No Legal Advice

Gregory S. DuPont is a licensed attorney in the State of Ohio. However, the content of this website, including all educational material, the Retirement Tax Trap Risk Assessment, blog posts, videos, books, and any communication received before a formal engagement letter is executed, does not constitute legal advice and does not create an attorney-client relationship.

An attorney-client relationship with DuPont Law Group is established only when:

• You have signed a written engagement letter,
• The firm has formally accepted your matter, and
• Any conflict-of-interest checks have been cleared.

If you need legal advice for your specific situation, please consult a licensed attorney in your jurisdiction.

2. No Tax Advice

Nothing on this website constitutes tax advice within the meaning of IRS Circular 230. Any discussion of tax laws, tax strategies, RMD calculations, Roth conversions, IRMAA cliffs, estate tax, or related topics is general in nature and may not apply to your specific situation. Tax laws change frequently. Your individual tax outcome depends on facts and circumstances we cannot evaluate without a formal engagement.

Consult a qualified CPA or tax advisor before making any tax-related decision.

3. No Investment Advice

Gregory S. DuPont holds the CERTIFIED FINANCIAL PLANNER™ certification. Advocate Wealth Solutions provides financial planning services to clients under a separate written agreement. Until such an agreement is executed, no fiduciary, advisory, or broker-dealer relationship exists.

The information presented on this site:

• Is not a recommendation to buy, sell, or hold any security, insurance product, or financial instrument;
• Does not consider your specific objectives, risk tolerance, financial situation, or needs;
• Is not a solicitation in any jurisdiction where such an offer would be unlawful;
• May not be suitable for your situation.

Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. Insurance products are subject to underwriting and policy terms.

4. The Risk Assessment Is An Educational Tool

The Retirement Tax Trap Risk Assessment (the "Quiz") at theretirementtaxtrap.com/retirement-scorecard is a self-scoring educational diagnostic. The risk levels assigned (1 through 4), the dollar exposure estimates (RMD tax projections, probate cost projections), and the personalized roadmap are based solely on the answers you provide.

The estimates use industry-standard simplifying assumptions:

• RMD tax exposure: 35% effective combined federal + state rate (your actual rate may be higher or lower)
• Probate cost: 6% of estate (varies by state, asset titling, and case complexity)
• Net worth midpoints based on the range you selected

These numbers are illustrative, not a forecast or guarantee. Your actual tax bill, probate cost, and retirement income outcome will differ based on factors not captured in 8 questions. Greg models the real numbers only during a formal engagement.

5. Discovery Session Limitations

The free 30-minute Discovery Session is a no-cost educational consultation. During the session:

• Greg may discuss general concepts, frameworks (the 6 Pillars of Wealth™, the 4D Estate Plan™), and observations about your situation.
• Greg does not provide specific legal, tax, or investment advice during the session.
• No attorney-client or advisory relationship is created by the session.
• Information you share is treated confidentially within the firm's policies, but pre-engagement communications may not be protected by attorney-client privilege.

6. Books and Educational Materials

The Retirement Tax Trap, The Probate Tax Trap, The Long-Term Care Tax Trap, March to a Million, and any other books, articles, or videos by Gregory S. DuPont are works of general financial and legal education. They are not personalized advice. Stories about clients (such as "Jim and Linda" or "Tom and Sarah") are composites or have details changed to protect client confidentiality.

7. Forward-Looking Statements

This website contains statements about future tax law changes (the One Big Beautiful Bill Act, the Social Security 2032 cliff, RMD rules, etc.), national debt projections, and other forward-looking information. These statements are based on current public sources at the time of writing and reflect general professional opinion. They are not predictions or guarantees. Tax law, Social Security policy, and economic conditions can change in ways that contradict these statements.

8. State-Specific Licensing

Gregory S. DuPont is licensed to practice law in the State of Ohio. He may not provide legal services to residents of states where he is not licensed. Securities and insurance services are offered only in jurisdictions where appropriately licensed. Nothing on this site is a solicitation of legal or financial services in any jurisdiction where such solicitation would be unlawful.

9. Third-Party Links and References

This site may link to or reference third-party sources (the U.S. Treasury, IRS, Social Security Administration, etc.). We do not endorse, control, or guarantee the accuracy of third-party content. Use of third-party tools or links is at your own risk.

10. Testimonials

Any testimonials displayed on this website are from current or former clients and reflect their individual experiences. Testimonials are not necessarily representative of the experience of all clients. Past planning outcomes do not guarantee future results. Compensation status is disclosed where applicable.

11. Limitation of Liability

To the maximum extent permitted by law, Gregory S. DuPont, DuPont Law Group, Advocate Wealth Solutions, the March to a Million Movement, and their affiliates, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of this website, the Risk Assessment, or any educational content.

12. Contact

Questions about this Disclaimer should be directed to:

DuPont Law Group / Advocate Wealth Solutions
655 Metro Place South, #440
Dublin, OH 43017
(614) 881-2523

Legal inquiries: [email protected]
Financial planning inquiries: [email protected]