Disclaimer: The author, publisher, and distributor of this assessment tool make no representations or warranties regarding its outcome or how the results are used. They assume no liability for any claims, losses, or damages resulting from its use. This questionnaire is intended for informational and illustrative purposes only and does not constitute professional, legal, or financial advice. The results are not meant to replace a thorough evaluation by a qualified professional. Users are encouraged to consult with a licensed advisor or attorney to discuss their individual circumstances and receive personalized guidance. Needs and risk profiles may vary.