Editorial Guidelines

UngrindFi is committed to providing accurate, trustworthy financial education. These guidelines govern how we create, review, and maintain our content.

Our Editorial Mission

UngrindFi exists to demystify financial independence and retirement planning. We believe that everyone deserves access to clear, accurate financial education—not just those who can afford professional advisors.

Our content aims to inform and educate, never to provide personalized financial advice. We explain concepts, present data, and help readers understand their options so they can make informed decisions with qualified professionals.

Content Standards

Source Requirements

All factual claims must be supported by credible sources:

Primary sources preferred: Government data (.gov), academic research (.edu), peer-reviewed studies
Secondary sources: Reputable financial news outlets, established research institutions
Avoid: Anonymous blogs, social media posts, promotional materials, outdated research

When citing statistics (e.g., market returns, inflation rates), we link to the original data source, not secondary reporting.

Financial Information vs. Financial Advice

We provide financial information and education—not financial advice.

Financial advice is personalized guidance based on your specific situation, which requires professional licensure. Our content is general educational information that helps you understand concepts and options.

Our language reflects this distinction: We say "historically, a 4% withdrawal rate has..." not "you should withdraw 4%." We present data and research, not directives.

Author Qualifications

Content is written by Taro Schenker, founder of UngrindFi and London Gold Exchange, with demonstrated expertise in investing and personal finance:

15+ years of hands-on investing experience across equities, precious metals, and financial markets
Founded and operates two financial education platforms
Self-directed research into FIRE strategies, tax-advantaged accounts, and retirement planning
Ongoing education in tax law, investment strategies, and retirement planning

All content includes author attribution with a link to their full bio, so readers can assess the author's qualifications.

Fact-Checking Process

Every piece of content goes through a rigorous review process:

Research & Drafting

Content is researched using primary sources and drafted with inline citations.

Source Verification

Each cited statistic, formula, and claim is verified against the original source.

Calculator Validation

Calculator results are tested against known benchmarks and manual calculations.

Currency Check

Tax rates, contribution limits, and regulatory information are verified as current.

Final Review

Content is reviewed for clarity, accuracy, and appropriate disclaimers.

For technical tax and legal content, we reference official IRS publications and, when appropriate, note that readers should consult qualified professionals for their specific situations.

Editorial Independence

Our Promise

Our editorial team operates independently from any advertising or affiliate relationships. No company can pay for favorable coverage, rankings, or calculator results.

Advertising & Affiliates

UngrindFi may earn revenue through affiliate links to financial products and services. However:

Affiliate relationships never influence our recommendations or calculator outputs
We always disclose affiliate relationships clearly (see our Affiliate Disclosure)
We recommend free alternatives when they exist
Our calculators work identically whether you use affiliate links or not
Companies cannot pay for placement in educational content

Corrections Policy

We take accuracy seriously. When we make mistakes, we fix them promptly and transparently:

Minor Corrections

Typos, formatting issues, and minor clarifications are fixed immediately without notation.

Factual Corrections

When we discover a factual error:

The content is corrected immediately
A correction note is added at the top of the article explaining the change
The "Last Updated" date is revised
If the error affected calculator results, we review and fix the underlying formula

Content Updates

Financial information changes (tax laws, contribution limits, regulations). We:

Review and update content quarterly, or immediately when major changes occur
Update the "Last Updated" date to reflect when content was last verified
Note significant changes (e.g., "Updated for 2026 contribution limits")

Report an Error

Found an error? Please let us know at contact@ungrindfi.com. Include:

The URL of the page with the error
Description of the error
Source supporting the correction (if applicable)

Content Freshness

Financial information requires regular maintenance. Our update schedule:

Content Type	Review Frequency
Tax-related content (limits, brackets)	Annually (November-January)
Calculator formulas	Quarterly or when errors reported
Healthcare/insurance guides	Annually (open enrollment period)
Educational concept guides	Semi-annually
External links	Quarterly link verification

Calculator Methodology

For detailed information about how our calculators work, including formulas, data sources, and default assumptions, see our Methodology page.

View Methodology

Questions or Feedback?

We welcome questions about our editorial process and feedback on how we can improve.

Accuracy First

Independence

Continuous Improvement