Investment & Options Disclaimer
Effective Date: September 30, 2026
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Retirement Income Wheel provides educational and informational content only.
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Information provided through RetirementIncomeWheel.com, including Wheel Opportunities, STI (Stock Trend Indicator) signals, Wheel Scores, market commentary, technical analysis, option examples, expiration dates, strike prices, premiums and other trading information, should not be considered personalized investment, financial, legal or tax advice.
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You Make Your Own Investment Decisions
Retirement Income Wheel does not know each member's complete financial circumstances, investment objectives, portfolio, risk tolerance, income requirements or tax situation.
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Members are responsible for reviewing potential opportunities and making their own investment decisions.
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Nothing displayed as a PUT, WAIT, CALL or other signal requires a member to enter or exit a transaction.
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STI Signals and Technical Analysis
STI (Stock Trend Indicator) evaluates defined technical criteria to help identify potential market conditions and Wheel opportunities.
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Technical analysis, STI signals and Wheel Scores are decision-support tools, not predictions.
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A bullish signal does not guarantee that a security will rise.
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A bearish or WAIT signal does not guarantee that a security will decline.
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Market conditions can change immediately after a signal is generated.
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Options Risk
Options trading involves risk and is not appropriate for every investor.
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Cash-secured puts: Selling a cash-secured put creates an obligation to purchase the underlying security at the strike price if assigned. The security may decline substantially below the strike price, resulting in significant losses.
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Covered calls: Selling covered calls generates premium but may limit potential appreciation if the underlying security rises above the call strike. Covered calls do not protect against substantial declines in the underlying security.
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Assignment can occur before expiration under certain circumstances.
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Option prices may be affected by volatility, time decay, interest rates, dividends and changes in the price of the underlying security.
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Probability, Delta and Other Estimates
Any reference to option delta, probability of assignment, probability of expiring out of the money or similar statistics represents an estimate, not a guarantee.
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These values change as market conditions change.
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Premium and Income Examples
Option premiums displayed on Retirement Income Wheel may reflect prices available at a particular point in time.
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Actual execution prices may differ.
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Examples of potential monthly income or premium generation are illustrations and are not guaranteed income projections.
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Past Performance
Past performance does not guarantee future results.
Previous trades, successful signals, premiums collected or historical investment results should not be interpreted as representations that future trades will produce similar outcomes.
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Every trade involves risk.
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Market Data
Market prices and option information can change rapidly.
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Members should independently verify the current stock price, option price, expiration, strike, bid/ask spread and other relevant information through their brokerage platform before entering an order.
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Tax Considerations
Options transactions may have tax consequences that vary depending on the investor, account type and transaction.
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Retirement Income Wheel does not provide tax advice. Members should consult a qualified tax professional regarding their individual circumstances.
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Options Disclosure
Before trading exchange-traded options, investors should review the current Characteristics and Risks of Standardized Options, commonly known as the Options Disclosure Document (ODD), published by the Options Clearing Corporation.