Terms of Use
Effective June 2026
Education, not advice
Everything on this site is educational. It is not financial, legal, tax, investment, or insurance advice, and it isn't a recommendation to buy or sell anything. The full picture lives on our Disclosures page, which is part of these terms.
No client relationship
Reading this site, using a calculator, or downloading a guide does not create a client, advisory, or fiduciary relationship with Trellova LLC or Megha Sharma. Working together starts with a real conversation and, where products are involved, the issuing carrier's own application and underwriting process.
Accuracy and change
We work hard to keep facts current — rules-based pages carry source links and “last checked” dates, and our review cadence is public in the Research Library. But tax law, contribution limits, and program rules change, and we make no warranty that any page reflects the law on the day you read it. Verify against the linked official source before acting.
Calculators
Calculators run entirely in your browser, save nothing, and produce educational estimates from the stated formulas and assumptions. They are starting points for conversation, not projections or recommendations.
Intellectual property
Site content is © 2026 Trellova LLC. WealthChem™ and The Learning Lab™ are trademarks of Trellova LLC. You're welcome to print and share our guides for personal, non-commercial use with attribution.
External links
We link to sources (IRS, NAIC, Federal Reserve, and others) so you can check our work. Links are for sourcing, not endorsement — we don't control those sites.
Limitation of liability
To the fullest extent the law allows, Trellova LLC is not liable for decisions made or actions taken based on this site's educational content. Plain English version: learn here, verify with the linked sources, and bring personal decisions to qualified professionals who know your situation.
Governing law
These terms are governed by the laws of the State of California. Questions: [email protected].