Perfico Disclaimer

Aromatica, Inc. is an independent nonprofit organization, which offers its personal financial planning services to the public through the names "Aromatica, Inc." and "Dream Calculator©”, proprietary personal financial planning software.

The information contained on this web site, is neither intended nor implied to be a substitute for the professional advice from an accountant, attorney, or qualified tax preparer. Always seek the advice of an accountant, attorney, qualified tax preparer, or another investment advisor, with any questions you may have regarding the information and advice found on www.perfico.com.

Certain web site links allow you leave the www.perfico.com site. The linked sites are not under the control of Aromatica, Inc., and Aromatica, Inc. is not responsible for the contents of any linked site or any link contained in a linked site. We provide these links for your convenience only, and the inclusion of any link does not imply endorsement by Aromatica, Inc. of any such linked site.

A variety of financial products are recommended to Aromatica, Inc. customers. For complete information on a particular financial instrument or contract, including charges and expenses, you should always obtain a prospectus, and read it carefully before committing.

Performance figures are hypothetical and cannot guarantee future comparable results. Investment returns and principal values will fluctuate. Investing in stocks, bonds, mutual funds, and other financial instruments does not guarantee a profit. All of these investments are subject to investment risks, including possible loss of principal invested. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or government agency.

Dream Calculator© takes into account numerous personal factors, such as your income, retirement goals, debt status, insurance needs, savings, investments, taxes, etc., that we consider reasonable in making a suitable investment recommendation.

In addition, Dream Calculator© makes certain economic assumptions. Using a set of these predetermined assumptions, Dream Calculator© produces both a preliminary assessment and a determination of whether you are on track to reach your financial goals. You can learn more about these assumptions in the “Software Description” section found in the “Dream Calculator” menu category of this web site. Please review the assumptions carefully. These economic assumptions can change over time in response to a number of market events, which could have an adverse effect on the goal analysis presented to you.

This site may contain opinions, statement, recommendations, and information from third party individuals and organizations. Aromatica, Inc. does not make any representations as to the accuracy, timeliness, completeness, or credibility of any opinion, statement, recommendation, or other content found on, uploaded from, or distributed through this site. If you rely on any such opinions, statement, recommendations, information, and service content that you will do so solely at your own risk. This site, the software it contains, and third part data are provided to you “as is” with no warranty.