Educational purpose
All content is general information and illustration. It is not personalized investment, tax, legal, or insurance advice and does not consider your specific circumstances.
Terms
Terms of using Empirical Finance
By browsing Empirical Finance, running its calculators, or contacting the desk, you agree to these terms. The site exists for general financial education. Calculator outputs illustrate math, not fiduciary recommendations, and you remain responsible for verifying outcomes with licensed professionals before acting.
Content is licensed for personal, non-commercial educational use.
Use creates no advisory, brokerage, or fiduciary relationship.
Tools are provided “as is” for illustration.
Liability is limited to the fullest extent permitted by law.
Agreement
Your rights and responsibilities
The key terms covering use, tools, membership, intellectual property, and liability.
Use license
You may read and share articles for personal, non-commercial use with attribution. You may not scrape, republish at scale, or resell content or tool outputs without written permission.
Tools & calculators
Calculators are provided “as is” and “as available.” Results depend on the assumptions you enter and do not guarantee any financial outcome.
Membership & billing
Optional membership (currently $4.99/month) removes display ads and adds eligible perks. It renews until cancelled; cancel anytime to stop future charges. An optional advisory intake, where offered, routes to separately licensed professionals.
Intellectual property
Text, design, calculators, and branding on Empirical Finance are owned by Fenul or its licensors and protected by applicable IP laws.
Limitation of liability & changes
To the fullest extent permitted by law, the desk is not liable for losses arising from reliance on the content or tools. We may update these terms; continued use means acceptance of the current version.
Contact
Contact Empirical Finance
Standalone scientist brand. Its voice, design, and tools are built for grant-driven income, postdoc realities, and the academic-to-industry transition.
Fenul Wealth Management
Method-transparent wealth management for researchers and scientists
Grant income, startup equity, academic retirement plans, and non-profit wealth all operate under different rules. Fenul Wealth documents every assumption in your plan — reproducibly.
- Grant income and non-profit 403(b) strategy
- Startup equity and lab spinout modeling
- PSLF and academic loan strategy
- Assumption-documented scenario planning
Opens fenulwealthmanagement.com · General education only · No fiduciary relationship formed on this page