Disclosures

1. Who we are — and are not

Roth Playbook is operated by Webly as a consumer education and marketing platform. We are not a registered investment adviser, broker-dealer, or insurance agency, and we do not provide individualized tax, legal, investment, or insurance advice.

We are not affiliated with the IRS, the Social Security Administration, Medicare, or any government agency, and we are not affiliated with any insurance carrier or custodian.

2. How we are compensated

How we are paid: independent licensed financial professionals pay Roth Playbook a fixed fee for each inquiry or qualified meeting generated through this site. We do not evaluate, rate, rank, endorse, or recommend any professional, and payment to us does not imply an endorsement. Any advice, recommendation, or product discussion comes solely from the licensed professional you speak with.

3. No endorsement, no evaluation, no referral recommendation

We do not perform background checks, suitability reviews, performance reviews, or rankings of the licensed professionals who receive inquiries from this site. We never claim that a professional is the “best,” “top,” “vetted,” or “recommended” for you, and nothing on this site should be read that way. You are responsible for deciding whether to work with anyone who contacts you.

4. Verify any professional before you engage them

Before hiring anyone, check their registration, licensing, and disciplinary history: FINRA BrokerCheck and SEC Investment Adviser Public Disclosure (IAPD). Insurance licensing can be verified with your state's department of insurance.

5. The licensed professional owns the advice

Once your inquiry is shared, the licensed professional — not Roth Playbook — explains their services, discusses securities or insurance products, makes any recommendations, determines suitability, and delivers their own required disclosures. They are solely responsible for their advice, their advertising, their licensing, and their compliance obligations. Any agreement you enter is between you and them.

6. Educational and illustrative only

The site, including its calculators, charts, reports, and emails, is general education. It does not account for your complete financial situation and is not individualized tax, legal, investment, or insurance advice or a recommendation to buy, sell, hold, or convert anything.

7. Hypothetical projections

Any numbers, charts, or illustrations are hypothetical, rely on stated assumptions that may not occur, and are not a prediction or guarantee of results. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Tax law, product terms, and market conditions change.

8. Roth conversion risks

Roth conversions are irrevocable. The converted amount is generally taxable as ordinary income in the year of conversion and may push you into a higher bracket, increase Medicare IRMAA surcharges, affect ACA premium subsidies, and create state tax consequences. Qualified Roth distributions are generally federal-income-tax-free only if the 5-year holding period and other IRS requirements are met. Amounts withheld for taxes before age 59½ may be subject to a 10% additional tax.

9. Consent to contact

When you submit a form, you agree to the following, which is recorded with your submission:

“I understand Roth Playbook is an educational and marketing platform — not an investment adviser, broker-dealer, or insurance agency — and that my information may be shared with an independent licensed financial professional who may contact me by phone or email about the services described. Consent is not a condition of any purchase, and I may opt out at any time. I have read the Privacy Policy, Terms, and Disclosures.”

Text messages are a separate, optional opt-in and are never required. See the SMS program terms in our Privacy Policy. To stop contact, unsubscribe from any email, reply STOP to any text, or email us.

10. Jurisdictions

We are able to service clients in all U.S. states. Licensed professionals may only conduct business in states where they are properly registered, licensed, or exempt.

11. No guarantee of results

Roth Playbook makes no guarantee of any financial, investment, tax, or other outcome from use of this site or from any introduction made through it.

12. Contact

Questions? hello@rothplaybook.net. Privacy requests: privacy@rothplaybook.net.

Rev. 2026-06