Financial disclaimer

Nothing on Mintcanopy is a forecast, a solicitation to buy a security, or a personal recommendation from an adviser. The figures on a review are the vendor fee and a worked example, and past totals in an example are not a promise about your account.

Examples are not your account

When a page says an $80,000 taxable account with $500 added each month grows at 6 percent before a 0.25 percent fee, those are inputs chosen so the multiplication is visible. They are not a forecast, not a recommendation of Harbor Path for you, and not a statement of what an index did. Your taxes, your job, and your other holdings are not in the example. Mintcanopy does not know them.

No advice, no custody

We do not manage money and we do not hold it. A link to a robo-advisor is a link, not an account opened with us. A chart on a review is a drawing of a screen so you can see the navigation and the table. It is not a live quote. Crypto bot reviews are about permissions and fees, not about whether a coin will rise. If you need a fiduciary, hire one. The fee they charge is a different comparison, and this site will not pretend a piece of software is that person.

Past arithmetic

A year-30 figure in a fee walk is the result of the assumptions on that page, run forward. It is not a track record of the product. If the product publishes its own past performance, that number is theirs, and our page will say so rather than adopt it as a forecast. Nothing here is an offer to buy or sell a security.

What the year-30 figure is

It is the assumptions on that page, run forward: a starting balance, a monthly deposit, a growth rate before fees, and a percent. Change any input and the figure changes. It is not Harbor Path's track record and not a promise. Your tax rate is not in it. A vendor's own performance number, if they publish one, stays theirs and will be labeled as theirs. Nothing here is an offer to buy or sell a security, and Mintcanopy does not hold your money.

If you need a fiduciary, hire one and expect a different fee. Software is not that person.

What the year-30 figure is not

In the fee guide, an $80,000 start, $500 a month, 6 percent growth before fees, and a 0.25 percent fee, produces a year-30 balance near $905,000 and a year-30 fee near $2,268, with cumulative fees near $29,800. Those figures are the assumptions run forward. They are not Harbor Path's track record. They are not a promise that an index returns 6 percent. They do not include your tax on dividends, your tax on the sale of a lot, or a fee that changes next year. Change the percent to 1 percent and the cumulative fee in the same guide is near $106,000. That gap is arithmetic. It is not a recommendation to hire the cheaper software if the cheaper software cannot hold the stock you actually have.

Mintcanopy does not hold the account, does not place the order, and does not know your job. A chart on a review is a drawing of a screen. It is not a live quote. Crypto pages are about keys and exchange fees, not about a coin. If you need a fiduciary, hire one and expect a different bill. Nothing here is an offer to buy or sell a security.

Taxes the walk leaves out

The year-30 fee near $2,268 is not reduced for a retirement account and not increased for a taxable dividend. A lot sold along the way, the $22 basis versus the $47 basis, is a tax the walk does not compute. A reader who subtracts the fee and ignores the lot has done only half the bill. The tax guide is the other half, and it still refuses to guess the bracket. Mintcanopy would rather leave the tax off than invent a rate. Your preparer has the lot file. This page has the assumptions. They are not the same document, and neither one is a forecast of what an index did.

Two documents, on purpose

The fee walk is assumptions: $80,000, $500 a month, 6 percent before fees, 0.25 percent fee, a year-30 fee near $2,268 and cumulative fees near $29,800. The tax guide is the other document: which lot was sold. Neither document knows your bracket. Neither is Harbor Path's track record. A one-percent walk on the same deposits produces cumulative fees near $106,000, and that gap is not a reason to hire software that cannot hold a concentrated stock. Mintcanopy does not custody money and does not quote a live market. Hire a fiduciary if you need one. The fee they charge is a different comparison.

Leave the bracket out

The walk can show a year-30 fee near $2,268 and cumulative fees near $29,800 at 0.25 percent, and cumulative fees near $106,000 at 1 percent. It cannot show your tax on a lot sold at a $22 basis versus a $47 basis. Mintcanopy leaves that to the tax guide and to a preparer. The figures are not a track record and not a reason to hire software that will not hold one concentrated stock. We do not hold the account.

What changes the year-30 number

Change the starting $80,000, the $500 deposit, the 6 percent assumption, or the 0.25 percent fee, and the year-30 fee near $2,268 moves. Change the fee to 1 percent and the cumulative figure near $106,000 is a different walk, already on the fee guide. Nothing in that pair is your tax bill, your employer stock, or Harbor Path's audited performance. Mintcanopy will not fill those in. The tax guide stops at which lot was sold. A fiduciary, if you hire one, sends a different invoice and is not a row in the robo-advisor category. The drawings are screens, not quotes. We do not hold the reserve from 2019 or any account you have now.