Last updated: December 26, 2025
The information provided by Breakthrough Financial Wellness (“we,” “our,” or “us”) on this website, and through our coaching services, programs, webinars, workshops, written materials, and digital content, is intended for educational and informational purposes only.
By accessing this website or participating in our services, you acknowledge and agree to the following:
Not Financial, Legal, or Tax Advice
Breakthrough Financial Wellness does not provide financial, investment, legal, tax, accounting, or other professional advice.
All content shared is general in nature and is not a substitute for personalized advice from a licensed or qualified professional. You should consult with a qualified financial advisor, accountant, attorney, or other professional before making financial or legal decisions.
Educational & Coaching Nature of Services
Our services are coaching-based and educational, designed to support financial awareness, healthier habits, and improved communication around money.
Coaching is not therapy, counseling, mental health treatment, or crisis intervention. Participation does not create a therapist-client, financial advisor-client, fiduciary, or professional advisory relationship.
No Guarantees or Promised Outcomes
While we provide tools, guidance, and education rooted in behavioral and relational principles, results are not guaranteed.
Financial outcomes, emotional shifts, and relationship improvements vary based on individual circumstances, commitment, and external factors beyond our control.
You acknowledge that:
- Progress is personal and non-linear
- Outcomes depend on your actions and decisions
- No specific financial, emotional, or relational results are promised
Responsibility for Decisions
You are solely responsible for:
- Your financial decisions
- Your emotional well-being
- Any actions taken based on information provided
Breakthrough Financial Wellness is not responsible for losses, damages, or outcomes resulting from decisions made by you or anyone acting on your behalf.
Framework Disclaimer (Seven-Layer Model)
Our coaching and educational content may reference or utilize the Breakthrough Seven-Layer Framework, which explores financial wellness through the following dimensions:
- Societal
- Relational
- Educational
- Behavioral
- Physiological
- Psychological
- Neurological
This framework is intended to provide insight, reflection, and educational guidance, not diagnosis, treatment, or medical or psychological intervention.
The framework does not replace professional healthcare, mental health services, or financial advisory services.
Emotional & Physiological Content
Some content may address emotional responses, stress patterns, or physical reactions related to money experiences.
This content is intended to support awareness and self-reflection only. If you experience emotional distress, anxiety, or physical symptoms, you should seek assistance from a qualified healthcare or mental health professional.
Third-Party Tools & Resources
Any references to third-party tools, platforms, or resources are provided for convenience only. We do not endorse or guarantee outcomes from third-party services and are not responsible for their content, accuracy, or practices.
Assumption of Risk
By engaging with our website and services, you voluntarily assume full responsibility for any risks associated with applying the information provided.
Contact Information
If you have questions about this Financial & Coaching Disclaimer, please contact:
Breakthrough Financial Wellness
Contact#: (928) 421-1066
Email: jennifer.edwards@btfinancialwellness.com