Financial Education & Information Disclaimer

CoherenceWorks and its Mechanics of Wealth / Coherent Wealth services provide financial education, financial organization, facilitation and decision-support services. We help clients understand and organize their financial lives, clarify goals, identify gaps and questions, explore possible scenarios, and prepare for informed conversations and decisions. We do not provide regulated investment advice, investment management, tax advice, legal advice, accounting advice, insurance advice or other regulated professional services. Nothing on this website, in our workshops, reports, dashboards, schematics, educational materials or client conversations should be understood as a recommendation to buy, sell, hold or select any particular security, investment product, insurance product or other financial instrument. Where we use information about a client's circumstances to create financial maps, dashboards, projections or scenarios, these are intended to support understanding and exploration, not to constitute personalized investment, tax or legal recommendations.

Financial projections and scenario analyses depend on assumptions about matters such as investment returns, inflation, exchange rates, taxation, longevity, income and expenditure. Actual outcomes may differ materially. Any assumptions used should be reviewed carefully and should not be treated as guarantees or predictions. Financial, tax and legal rules vary between jurisdictions and can change over time. This is particularly important for clients whose assets, income, residence, citizenship, pensions or family circumstances span more than one country. Where a decision depends on specialist investment, tax, legal, accounting, insurance or other professional advice, we will encourage clients to obtain advice from an appropriately qualified and, where applicable, licensed or regulated professional. CoherenceWorks may help clients identify questions to take to professional advisers and may, where appropriate, introduce or suggest independent professionals. Unless explicitly agreed otherwise, those professionals act independently and are responsible for their own advice and services. Clients remain free to select their own advisers. Information provided by CoherenceWorks is based on information supplied by clients and on sources believed to be reliable. While reasonable care is taken in organizing and presenting information, we cannot guarantee that information supplied to us is complete, current or error-free. Clients remain responsible for their own financial decisions and should not make material investment, tax, legal, insurance or other financial decisions solely on the basis of CoherenceWorks materials or discussions. Appropriate professional advice should be obtained where required. Nothing on this website constitutes an offer, solicitation or recommendation to purchase or sell any investment or financial product.