Disclosures

Zero to Zero (zerotozerofin.com) is a personal website and email newsletter written and owned by Patrick Bradford. It exists to share general education about personal finance and financial planning. It is not a business, sells nothing, and accepts no payment for content.

Patrick Bradford is an Wealth Advisor at Beacon Pointe Advisors, LLC, an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. This website is not owned, operated, sponsored or endorsed by Beacon Pointe, and no advisory services are offered or provided through it. The opinions expressed are Patrick's own as of the date written, may change without notice, and do not necessarily reflect the views of Beacon Pointe, its affiliates or its employees.

All content is general in nature and is provided for informational and educational purposes only. It does not take into account any reader's financial situation, objectives or risk tolerance, and it should not be relied on as investment, tax, legal or accounting advice. Nothing on this site is an offer to sell or a solicitation of an offer to buy any security, or an offer of investment advisory services. Reading this site, subscribing to the newsletter or corresponding with the author does not create an advisory, fiduciary or client relationship. Readers should consult a qualified professional who knows their circumstances before acting on anything they read here.

Discussion of tax matters reflects federal and, occasionally, state rules as understood on the date written. Tax law changes frequently and individual facts matter. Commentary on markets or the economy is general in nature and is not a recommendation to buy, sell or hold any security, fund or strategy. Any charts, examples or calculations are hypothetical illustrations created to explain a concept. They are not forecasts, do not reflect the performance of any actual account, strategy or product, rely on stated assumptions that may not occur, and do not reflect fees, taxes or inflation unless stated. Past performance does not guarantee future results. Indexes are unmanaged and cannot be invested in directly. All investing involves risk, including the possible loss of principal.

Content is current only as of its publication date and may become outdated. No representation or warranty is made as to its completeness or accuracy, and there is no obligation to update it. Links to third-party websites, tools or publications are provided for convenience only; they are not controlled or endorsed, and any product, book or service mentioned is for illustration, with no compensation received unless clearly stated. No client testimonials or endorsements are solicited or published, comments are not enabled, and likes, shares or follows on social media should not be read as endorsements. Replies to newsletter emails are not a secure channel and cannot be used to request individualized advice; please do not send account numbers, tax identification numbers or other sensitive information.

Patrick Bradford is a CFP® professional. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

For how subscriber information is stored and used, see the privacy notice. Subscriber information is never sold and is not shared with Beacon Pointe.

Last updated September 18, 2026.