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Disclosures

Last reviewed May 4, 2026

Effective date: May 4, 2026 Last reviewed: May 4, 2026

Yearfold is operated by Hyper Mind Technologies, LLC ("we", "us", "our"). This Disclosures document explains how Yearfold makes money, what conflicts of interest we have, and how we manage them. The goal is to be more transparent than the law requires.

Yearfold is not an investment adviser

Yearfold is a financial-education tool. Hyper Mind Technologies, LLC is not registered with the US Securities and Exchange Commission or any state securities regulator as an investment adviser. We do not provide personalized investment, tax, or legal advice.

The calculator's output is a statistical projection based on user-supplied inputs and historical market data. It is not a recommendation to buy, sell, or hold any security. Speak with a fiduciary financial planner, CPA, and estate attorney before acting on anything you see here.

How we make money

Yearfold has four revenue streams, all earned by Hyper Mind Technologies, LLC as the operating entity:

  1. Display advertising. We run Google AdSense on blog and content pages. Ads are clearly labeled. They are not shown above the fold on calculator pages so that ad revenue never compromises the planning experience.
  2. PDF report sales. A one-time $29 fee for a personalized PDF retirement plan.
  3. Affiliate referrals. When you click certain partner links (advisor matching, brokerage signup, 401(k) rollover services), Hyper Mind Technologies, LLC receives a fee if you sign up. The full list of partners and how we're paid is at /affiliate-disclosures.
  4. Pro subscription. A planned premium tier with additional features. Pricing is on the /pricing page.

We do not:

  • Sell your data.
  • Sell whole-life insurance or leveraged annuities.
  • Take referral fees from investment products that take custody of your assets without transparent fees.
  • Allow paid placement to influence calculator output.

How we handle conflicts of interest

Affiliate referral fees create a conflict: we have an incentive to recommend products we earn from. Three things mitigate this:

  1. The list of partners is public. Every partner we may earn from is named on the affiliate disclosures page, with the type of relationship and the typical fee structure.
  2. The CTAs are clearly marked. Every affiliate link carries an inline "Yearfold earns a fee if you sign up" disclosure and uses rel="sponsored".
  3. The recommendation never changes based on the fee. A SmartAsset advisor match is suggested when your simulated success probability is below 85% — that threshold is a function of your inputs, not of which partner is paying us most that month. If a fiduciary advisor would say "don't do this," Yearfold says it too.

Methodology and data sources

The simulation methodology, including data sources and known limitations, is documented at /methodology. We update that page whenever a data source changes and maintain a public change log there.

Numbers we cite from the SSA, IRS, CMS, and Federal Reserve are taken from primary sources and re-verified annually. If you find an error, write to hello@yearfold.com.

Author byline

Each blog article is written by a named author. Where the author's professional credentials are relevant, they are listed in the byline. We do not use AI-generated authorship attribution.

Compensation policy

No employee, contractor, or contributor of Hyper Mind Technologies, LLC is compensated based on the volume of affiliate clicks or any specific recommendation. Editorial decisions about what to publish or recommend are not reviewed or approved by any partner whose product we discuss.

Updates

This disclosures page is updated whenever a partnership changes or a revenue stream is added. Material changes are noted in the change log at the bottom of /methodology.

Contact

Questions about disclosures or potential conflicts: hello@yearfold.com.