AI / AUTOMATED PROJECTIONS DISCLAIMER

How Horizon Finance Generates Your Retirement Projection

Horizon Finance's retirement planning tool uses an AI model to analyze the financial information you enter (such as income, savings, debts, and goals) and generate a projected retirement timeline and related scenarios.

Important limitations you should know:

• AI models can make mistakes. The projections are generated by software and may contain errors, especially if your inputs are incomplete, estimated, or change over time.

• Assumptions drive results. We use assumptions about investment returns, inflation, Social Security benefits, and other variables. These assumptions may not reflect your actual situation or future conditions. You can adjust assumptions in the Analyze & Play section.

• Past performance is not indicative of future results. Any return rates used in projections are hypothetical and do not guarantee future investment performance.

• Tax and legal complexity is not fully modeled. Tax rules change frequently. Our projections do not account for all tax implications, estate planning considerations, or legal changes.

• We are not your financial adviser. Using this tool does not create an advisory relationship. Horizon Finance is not a registered investment adviser, broker-dealer, or financial planner.

• Cross-sell suggestions are referrals, not advice. When we suggest financial products (savings accounts, advisors), these are referral opportunities, not personalized recommendations.

We recommend using Horizon Finance as a starting point for thinking about your retirement, not as a substitute for professional financial planning.