Full Disclosures

Educational use only.

Kronos (the “Cash Flow Portfolio Planner”) and the scores, estimates, and analyses it produces are provided by Clockwise Capital, LLC for general educational and informational purposes only. They are not investment, financial, tax, or legal advice, not a recommendation to buy, sell, or hold any security or to pursue any strategy, and not an offer or solicitation of any kind.

No advisory relationship.

Using Kronos does not create an advisory, fiduciary, or other professional relationship between you and Clockwise Capital. Clockwise Capital, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission; registration does not imply any particular level of skill or training. Advisory services are provided only to clients under a signed written agreement.

AI can be wrong.

Kronos uses artificial intelligence, which may produce information that is inaccurate, incomplete, or out of date. Do not rely on its outputs for investment or other decisions. Confirm anything important independently and consult a qualified professional about your situation.

Estimates are hypothetical.

Any figures, including income-gap amounts, projections, and scenarios, are hypothetical illustrations based solely on the information you provide and on assumptions that may not reflect your actual circumstances or future results. They are not guarantees. Investing involves risk, including possible loss of principal. Past performance is not a guarantee of future results.

Your inputs.

Results depend on the accuracy and completeness of the information you enter, which Clockwise does not independently verify.

Conflicts of interest.

Clockwise Capital and its affiliates offer their own products, including the TIME ETF, and may have financial incentives related to them. These conflicts are described in our Form ADV Part 2A.

For full details on services, fees, and conflicts, see Clockwise Capital’s Form ADV Part 2A and Form CRS at adviserinfo.sec.gov/firm/summary/175233 and the Form CRS (PDF).