I’m not a financial advisor, a financial coach is very different than an advisor. A financial advisor will focus on your money’s behavior and strategize how to invest. A financial coach analyzes your behaviors, habits, spending, patterns, and belief system to help you formulate a plan to reach your financial goals. Then help keep you accountable on the journey.

Nicole Ingham Consulting LLC provides financial coaching services. I am not a licensed financial advisor, broker, dealer, or investment professional. I do not provide financial, investment, legal, tax, or accounting advice. My services are for educational and informational purposes only and are intended to help you develop financial literacy, establish healthy financial habits, and set personal financial goals.

Any information, insights, strategies, or recommendations shared by Nicole Ingham Consulting LLC are based solely on general financial principles, publicly available information, and our personal experiences. This information is not tailored to your specific financial situation, risk tolerance, or investment objectives.

Our relationship with you is that of a financial coach, not a financial advisor or fiduciary. We do not owe you a fiduciary duty, and our services are not intended to create such a relationship.

You are solely responsible for your financial decisions and the outcomes of those decisions. Any actions you take based on the information or coaching you receive from Nicole Ingham Consulting LLC are taken at your own risk. We strongly recommend that you consult with a qualified and licensed financial advisor, investment professional, tax advisor, attorney, or other relevant professional before making any financial decisions, undertaking any investment strategies, or implementing any recommendations. It is your responsibility to conduct your own due diligence and seek independent professional advice before acting on any information provided by us.

We do not guarantee any specific financial results or outcomes. Financial success depends on numerous factors, including but not limited to, individual effort, market conditions, and personal choices. Our coaching is designed to empower you with knowledge and tools, but ultimate responsibility for your financial future rests with you.

Any testimonials or examples shared on our website or during our coaching sessions are illustrative only and do not guarantee similar results. Past performance or individual experiences are not indicative of future outcomes.

To the fullest extent permitted by law, Nicole Ingham Consulting LLC, its coaches, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, data, or other intangible losses, resulting from:

• The use or inability to use our services or information;

• Any decisions made or actions taken by you in reliance on any information or coaching provided by us;

• Unauthorized access to or alteration of your transmissions or data;

• Statements or conduct of any third party on our services; or

• Any other matter relating to our services.

All content, materials, and intellectual property provided by Nicole Ingham Consulting LLC are for your personal use only and may not be reproduced, distributed, or used for commercial purposes without our express written consent.

We reserve the right to amend or update this Disclaimer at any time without prior notice. By continuing to use our services, you acknowledge and agree to the most current version of this Disclaimer.

By engaging with Nicole Ingham Consulting LLC, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.