The following disclosures are related to the YouTube video published on November 17, 2025, titled “Once I Show Retirees This Data, They Stop Worrying About Investing” and the Stay Wealthy Podcast episode published on November 20th, 2025, titled “The S&P 500 Trap: Why the “Safe” Choice Is Actually Risky for Retirees.”
This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax, or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.
Where indicated, some model portfolios are constructed in the Returns Program using past data of funds or indices as of a specific date, assigning weights to those funds or indices to equal 100%. The model portfolios constructed are hypothetical and are not representative of actual portfolios. Their performance is hypothetical, for illustrative purposes only and is subject to limitations. Unless otherwise specified by the user, the hypothetical performance is gross of fees and is rebalanced monthly. The performance presented does not replace an advisor’s actual model portfolio performance. Past and hypothetical results are no guarantee of future results. The model performance is based on model/back-tested asset allocations. The performance was achieved with the retroactive application of a model designed with the benefit of hindsight; it does not represent actual investment performance. Back-tested model performance is hypothetical (does not reflect trading in actual portfolios) and may not reflect the impact that economic and market factors may have had on the advisor’s decision-making if the advisor were actually managing client money.
Material is not to be considered a recommendation or investment advice to buy or sell any security. The Dimensional Indices used have been retrospectively calculated by Dimensional Fund Advisors LP and did not exist prior to their index inception dates. Accordingly, results shown during the periods prior to each index’s index inception date do not represent actual returns of the index. Other periods selected may have different results, including losses. Back-tested index performance is hypothetical and is provided for informational purposes only to indicate historical performance had the index been calculated over the relevant time periods. Back-tested performance results assume the reinvestment of dividends and capital gains.
The principal risks of investing in the Dimensional funds may include one or more of the following: market risk, small companies risk, risk of concentrating in the real estate industry, foreign securities and currencies risk, emerging markets risk, banking concentration risk, foreign government deb trisk, interest rate risk, risk of investing for inflation protection, credit risk, risk of municipal securities, derivatives risk, securities lending risk call risk, liquidity risk, income risk, value investment risk, investment strategy risk, and/or fund of funds risk. To more fully understand the risks related to an investment in the funds, investors should carefully read each fund’s prospectus.
Investments in foreign issuers are subject to certain considerations that are not associated with investments in US public companies. Investments of the International Equity, Emerging Markets Equity and the Global Fixed Income Portfolios will be denominated in foreign currencies. Changesin the relative values of these foreign currencies and the US dollar, therefore, will affect the value of investmentsin the Portfolios. However, the Global Fixed Income Portfolios may utilize forward currency contractsto attempt to protect against uncertainty in the level of future foreign currency rates (if applicable), to hedge against fluctuations in currency exchange rates or to transfer balances from one currency to another. Foreign securities prices may decline or fluctuate because of: (a) economic or political actions of foreign governments, and/or (b) less regulated or liquid securities markets.
Additional Disclosure Information:
