Terms & Disclosures

Last updated: May 11, 2026

Welcome to Stretching Retirement. These Terms & Disclosures govern your use of StretchingRetirement.com, including all articles, pages, newsletters, emails, images, tools, links, and other content published on or through this website.

By using this website, you agree to these Terms & Disclosures. If you do not agree, please do not use this website.

1. Informational purposes only

Stretching Retirement publishes articles, updates, commentary, explainers, and other content related to retirement topics, including Social Security, Medicare, markets, retirement news, and savings.

All content on this website is provided for general informational and educational purposes only. Content may not apply to your specific situation, and it should not be relied upon as the sole basis for making financial, legal, tax, healthcare, insurance, Medicare, Social Security, or investment decisions.

2. No professional advice

Stretching Retirement is not a financial advisor, investment adviser, law firm, tax advisor, Medicare counselor, insurance agency, healthcare provider, Social Security representative, or government agency.

Nothing on this website creates a professional, advisory, fiduciary, client, patient, or representative relationship between you and Stretching Retirement.

Before making decisions about money, benefits, healthcare, insurance, taxes, estate planning, legal matters, Social Security, Medicare, or investments, you should consult the appropriate qualified professional or official source.

3. Financial and investment disclosure

Stretching Retirement may publish general information about markets, inflation, interest rates, retirement accounts, savings, CDs, bonds, economic trends, or other financial topics. This content is not personalized investment advice and does not recommend that any reader buy, sell, hold, or avoid any specific investment, security, account, product, or strategy.

Markets can change quickly, and all investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Readers should consider their own financial circumstances, risk tolerance, time horizon, income needs, tax situation, and goals before making financial decisions. When appropriate, consult a qualified financial professional.

4. Medicare and healthcare disclosure

Stretching Retirement may publish general information about Medicare, healthcare costs, enrollment windows, premiums, penalties, prescription costs, Medicare Advantage, Medigap, and related topics.

This content is not medical advice, insurance advice, Medicare counseling, or a substitute for guidance from Medicare, a licensed insurance professional, a State Health Insurance Assistance Program counselor, or a healthcare provider.

Medicare rules, plans, costs, coverage, provider networks, and enrollment deadlines can change. Readers should verify important Medicare information with official Medicare resources or qualified professionals before making coverage decisions.

5. Social Security disclosure

Stretching Retirement may publish general information about Social Security, including benefit updates, claiming ages, COLA changes, payment schedules, survivor benefits, spousal benefits, and common claiming mistakes.

This content is not personalized Social Security advice and should not be treated as guidance from the Social Security Administration. Social Security decisions can depend on your age, earnings record, marital history, work history, health, household income, and other personal details.

Readers should verify important Social Security information with the Social Security Administration or a qualified professional before making claiming or benefits-related decisions.

6. Accuracy, timeliness, and availability

We aim to publish accurate, useful, and timely information. However, retirement-related topics can change, including laws, policies, benefit amounts, premiums, tax rules, market conditions, program eligibility, and deadlines.

We do not guarantee that all content is complete, current, error-free, or applicable to your specific circumstances. We may update, correct, remove, or revise content at any time without notice.

You are responsible for verifying information before relying on it, especially when making financial, healthcare, tax, legal, Medicare, Social Security, or investment decisions.

7. Affiliate disclosure

Stretching Retirement may include affiliate links. This means we may earn a commission if you click a link and make a purchase, sign up for a service, or complete another qualifying action. This does not cost you extra.

Affiliate relationships do not control our editorial opinions. We aim to recommend, mention, or discuss products and services only when we believe they may be relevant or useful to readers.

The Federal Trade Commission’s endorsement guidance is based on the principle that endorsements and advertising should be honest and not misleading, and that material connections should be disclosed clearly. We aim to disclose affiliate, sponsored, or paid relationships in a clear and understandable way. :contentReference[oaicite:0]{index=0}

8. Advertising and sponsored content disclosure

Stretching Retirement may display advertisements, sponsored posts, sponsored links, native advertising, newsletter sponsorships, or other paid placements.

Sponsored content, when published, should be identified in a way that helps readers understand that a brand, advertiser, or partner may have paid for or influenced the placement.

Advertisers and sponsors are responsible for their own claims, products, services, websites, offers, and representations. Stretching Retirement is not responsible for the accuracy, safety, legality, or performance of third-party products or services.

9. External links and third-party websites

Our website may contain links to third-party websites, including government agencies, advertisers, affiliate partners, news sources, financial resources, healthcare resources, social media platforms, and other outside websites.

These links are provided for convenience, reference, or attribution. We do not control third-party websites and are not responsible for their content, privacy practices, terms, products, services, or accuracy.

Visiting third-party websites is at your own risk. You should review the terms and privacy policies of any third-party site you visit.

10. User submissions and reader messages

If you send us a message, correction request, story idea, comment, question, tip, or other submission, you grant Stretching Retirement permission to review, store, edit, summarize, publish, or use that submission for editorial, operational, or business purposes, unless otherwise prohibited by law.

Please do not submit sensitive personal information, including Social Security numbers, Medicare numbers, financial account numbers, passwords, medical records, tax documents, or private information about another person.

We are not required to respond to, publish, or remove any submission, though we may do so at our discretion.

11. Intellectual property

Unless otherwise noted, the content on Stretching Retirement, including text, graphics, logos, branding, design elements, layouts, images, and other materials, is owned by or licensed to Stretching Retirement and is protected by intellectual property laws.

You may read, share links to, and use the website for personal, non-commercial purposes. You may not copy, reproduce, republish, scrape, sell, modify, distribute, or exploit our content without written permission, except where allowed by law.

12. Acceptable use

You agree not to use Stretching Retirement in a way that:

• Violates any law or regulation
• Attempts to interfere with website security or functionality
• Uses bots, scrapers, or automated tools without permission
• Copies or republishes content without authorization
• Submits false, misleading, harmful, defamatory, abusive, or unlawful material
• Attempts to collect information about other users
• Attempts to access systems, accounts, or data without authorization

13. Limitation of liability

Stretching Retirement is provided on an “as is” and “as available” basis. We do not guarantee that the website will be uninterrupted, secure, error-free, or free from viruses or other harmful components.

To the fullest extent permitted by law, Stretching Retirement and its owners, editors, writers, contributors, contractors, partners, affiliates, and service providers will not be liable for any loss, damage, claim, cost, or expense arising from your use of the website or reliance on any content.

This includes, but is not limited to, financial losses, investment losses, tax consequences, healthcare costs, benefit decisions, missed deadlines, inaccurate third-party information, technical issues, or decisions made based on content published on this website.

14. Privacy

Your use of Stretching Retirement is also governed by our Privacy Policy, which explains how we collect, use, and protect information when you visit the website.

15. Changes to these Terms & Disclosures

We may update these Terms & Disclosures from time to time. When we make changes, we will update the “Last updated” date at the top of this page.

Your continued use of Stretching Retirement after changes are posted means you accept the updated Terms & Disclosures.

16. Contact us

If you have questions about these Terms & Disclosures, please contact us at:

Stretching Retirement
Website: StretchingRetirement.com
Email: hello@stretchingretirement.com

Please include “Terms & Disclosures” in the subject line when appropriate.