The information provided on this website is for educational and informational purposes only. It does not constitute financial, investment, tax, or legal advice. Please consult a licensed financial advisor, tax professional, or attorney for advice specific to your situation. Results vary based on individual circumstances. Nothing on this site guarantees or implies a specific retirement outcome or financial result.
Important Disclaimers & Legal Notice
Educational & informational purposes only.
All content on this website — including pages, articles, videos, downloads, comments, and links — is provided solely for general educational and informational purposes. It does not constitute, and should not be relied upon as, financial, investment, tax, legal, insurance, retirement, estate-planning, or any other professional advice. No advisor, fiduciary, attorney-client, or professional relationship of any kind is created by your use of this site, by submitting the contact form, by attending a free consultation, or by communicating with us through any channel.
Not affiliated with the U.S. Government.
PaduaCo and One Percent Consulting are private companies. We are not a federal agency, are not affiliated with, endorsed by, sponsored by, or operated by the U.S. Office of Personnel Management (OPM), the Federal Retirement Thrift Investment Board (FRTIB), the Thrift Savings Plan (TSP), the Social Security Administration, the Internal Revenue Service, the Department of the Treasury, or any other federal, state, or local agency. Any references to federal benefits, programs, or publications are for educational reference only. Always confirm program details with your agency HR, official government sources, or a licensed professional.
No guarantees.
Nothing on this site guarantees or implies any specific outcome, result, retirement benefit, financial return, tax position, insurance payout, eligibility decision, or other result. Federal benefits, laws, regulations, and program rules change frequently and your individual circumstances may produce materially different outcomes. Past results, examples, testimonials, or case discussions are illustrative only and are not a promise of future performance.
Consult a licensed professional.
Before making any decision affecting your benefits, retirement, taxes, investments, insurance, estate, or legal status, consult a licensed financial advisor, Certified Financial Planner™, CPA, tax attorney, ERISA attorney, insurance professional, or other appropriately licensed professional in your jurisdiction. You alone are responsible for verifying information, evaluating your situation, and making decisions.
Accuracy & errors.
We make reasonable efforts to keep information current and accurate, but we make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, timeliness, or suitability of any content for any purpose. Information may be outdated, incomplete, or contain errors. We are not liable for any reliance you place on such information.
External links.
This site links to third-party websites (including OPM.gov, TSP.gov, and others) for your convenience. We do not control, endorse, monitor, or assume any responsibility for the content, privacy practices, accuracy, or availability of any third-party site. Following an external link is at your sole risk.
Limitation of liability.
To the maximum extent permitted by law, PaduaCo, One Percent Consulting, their owners, officers, employees, contractors, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost benefits, lost savings, lost data, lost opportunity, or any other loss — arising out of or in connection with your use of (or inability to use) this website, our services, any consultation, or any reliance placed on any content, whether based on contract, tort, negligence, strict liability, or any other legal theory, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction is to discontinue use of the site and services.
Forward-looking statements.
Any forward-looking statements, projections, examples, calculations, or scenarios are based on assumptions that may not occur. Actual results may differ materially.
Testimonials & reviews.
Any testimonials, reviews, or success stories reflect individual experiences and are not typical, guaranteed, or representative of all clients. Results vary based on individual circumstances, effort, and factors outside our control.
Privacy & communications.
By submitting any form on this site or contacting us, you consent to be contacted by phone, email, or text regarding your inquiry. We do not sell your personal information. Communications are not encrypted unless specifically arranged and may not be confidential or privileged.
Trademarks & copyright.
All trademarks, service marks, logos, and trade names are the property of their respective owners. Federal program names (FEGLI, FEHB, TSP, FERS, CSRS, etc.) are used for descriptive purposes only and remain the property of the U.S. Government. Site content © 2011 Padua Co. All rights reserved. Reproduction without permission is prohibited.
Use at your own risk.
You access and use this website voluntarily and at your sole risk. If you do not agree with any portion of these disclaimers, you must not use this site or its services.
Severability & governing law.
If any portion of these disclaimers is held invalid or unenforceable, the remaining portions remain in full force. These terms are governed by the laws of the jurisdiction in which Padua Co. is registered, without regard to conflict-of-law principles.
Last updated: 2011. Disclaimers may be revised at any time without notice.