The Federal Trade Commission requires that websites disclose material connections between content publishers and the products or services they mention. This page fulfils that requirement for RetirementScamGuide.com. We take this requirement seriously — not just as a legal obligation but as a commitment to the trust of our readers.
RetirementScamGuide.com operates as a free consumer education resource. We do not charge for any content, tools, or guidance on this site. Our operating costs are funded through two revenue streams:
When you click certain links on this site and subsequently make a purchase or sign up for a service, we may earn a commission. This commission is paid by the merchant — it does not add any cost to you. The price you pay is identical to what you would pay going directly to the merchant.
Affiliate relationships we currently maintain or may enter into include:
We do not have affiliate relationships with: investment products, insurance products beyond those directly related to identity theft coverage, legal services, medical services, or financial advisors. We do not earn commissions from government agencies or nonprofits we link to.
We display advertisements from ad networks, which may include Google AdSense and other programmatic advertising platforms. These ads are served based on your browsing behaviour, content context, and other targeting criteria determined by the ad networks — not by us. We do not control which specific ads appear on any given page and do not have direct commercial relationships with the advertisers who appear through these networks.
We do not receive payment to feature specific advertisers' products in our editorial content. Display ads are visually separated from editorial content.
They don't — or rather, they don't in the ways that matter. Here's our specific policy:
Affiliate links may appear in article body text, comparison tables, product recommendation sections, and sidebar widgets. In general, any link to a commercial product or subscription service may be an affiliate link. Links to government websites (.gov domains), nonprofits, and news publications are never affiliate links.
We do not use deceptive link labelling. If a link looks like it goes to a commercial service, it may be an affiliate link. If it goes to a government agency or nonprofit, it is not.
We accept products for review and maintain affiliate relationships only with companies whose services we believe are genuinely valuable for our audience. We are not paid to write positive reviews. If we receive a product for review (such as a software subscription), we disclose this in the relevant article.
We do not allow affiliate partners to review or approve content before publication. We do not allow affiliate partners to require us to maintain a specific star rating or editorial tone.
If you have questions about our commercial relationships or spot something that seems inconsistent with this disclosure, please use our contact form. We take transparency seriously and will respond to any concerns.
This disclosure is provided in accordance with the FTC's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255) and its guidance on affiliate marketing disclosures.