Compliance Disclaimer & Independent Verification Notice

1. Educational tool, not regulated advice

Syracai (the “Tool”) is provided strictly as an educational and operational aid for licensed financial professionals. The Tool does not constitute, and is not a substitute for, individualized legal, tax, accounting, investment, or compliance advice. Nothing generated by the Tool should be relied upon as a recommendation under SEC Rule 15l-1 (Regulation Best Interest), the Investment Advisers Act of 1940, FINRA Rule 2111, or any successor or related rule.

2. Independent verification is required

The user, advisor, or supervising firm is solely responsible for independently verifying the accuracy and completeness of every input, account classification, beneficiary relationship, life expectancy factor, and calculated required minimum distribution (“RMD”) before relying on it for any client-facing, tax-reporting, or supervisory purpose. The Tool may contain errors, omissions, or stale data, including but not limited to outdated IRS life expectancy tables, regulatory changes, or misclassified account types.

Before any FINRA- or SEC-regulated use — including but not limited to client communications, books-and-records entries under SEC Rule 17a-4, or supervisory reviews under FINRA Rule 3110 — you must independently confirm results against (a) the underlying custodian or recordkeeper statement, (b) the current IRS publications (including IRS Publication 590-B and the applicable life expectancy tables), and (c) your firm’s written supervisory procedures (“WSPs”).

3. No fiduciary or broker-dealer relationship

Use of the Tool does not create a fiduciary, advisory, broker-dealer, or agency relationship between you and the provider of the Tool. The provider is not a registered investment adviser, broker-dealer, law firm, or accounting firm, and does not supervise the activities of any user. All regulatory supervision and recordkeeping obligations remain with the user’s firm.

4. Regulatory framework acknowledgment

Users who are registered representatives, investment adviser representatives, or associated persons of a FINRA member or SEC-registered firm acknowledge that their use of the Tool must comply with their firm’s WSPs, including those issued under FINRA Rules 3110 (Supervision), 3120 (Supervisory Control), 4511 (Books and Records), and Regulation S-P / Regulation S-ID. Users associated with LPL Financial or any other broker-dealer must additionally comply with that firm’s specific approved-tool and outside-business-activity policies before any client use.

5. No warranty; limitation of liability

The Tool is provided “as is” and “as available,” without warranty of any kind, express or implied. To the maximum extent permitted by law, the provider disclaims all liability for any direct, indirect, incidental, consequential, or punitive damages arising from reliance on the Tool’s outputs. A full limitation-of-liability and hold-harmless agreement must be executed by every user before subscribing and using the Tool.

6. Questions

Compliance questions about appropriate use of the Tool within your firm should be directed to your firm’s Chief Compliance Officer before any client-facing use.