The Fine Print

Disclaimer

Last updated: April 23, 2026
This is the important one. Read it. Everything on this site and in the course is educational only. It is not financial, legal, tax, or investment advice. I'm not your advisor. Your money and your decisions are yours.

I'm not a licensed advisor

Oscar Castellanos is not a registered investment advisor, broker-dealer, financial planner, CPA, or attorney. First-Gen Finance is a personal education brand run by one person in Arizona. Nothing here creates a financial-advisor or client relationship.

Educational only

The course teaches concepts, frameworks, and general information about personal finance and crypto. Before making a financial move, talk to a licensed professional.

Crypto is volatile

Cryptocurrency prices can go up and down by double digits in a single day. You can lose some or all of what you put in. Past performance does not predict future performance. Tax treatment is complex — consult a CPA. Scams are everywhere — if anyone claims to be me offering signals or asking for crypto, it isn't me.

No guaranteed results

Testimonials describe what specific people experienced. Your results will be different. Numbers and examples in lessons are illustrative.

Affiliate disclosure

Occasionally I may link to tools I use. Some links may pay a referral commission which I'll disclose inline. Referral commission never changes what I recommend.

Tax advice

Any tax content is US-focused and general. Consult a CPA before doing anything with an IRA, 401k, HSA, or crypto.

Legal advice

Anything I say about contracts, debt, or consumer rights is general. Not legal advice.

Your decisions, your results

What you do with your money is up to you.

Contact

support@firstgenfinance.org