Read this first
Read this first if you plan to use anything on this site in a decision about your money. The site teaches; it does not advise you. If a sentence on a page reads like advice for you, it is not.
Straight answers
Four questions, four answers.
No. It is general education about money and planning, and it does not know your situation. The site itself gives no personalized advice, and reading it, running a calculator or sending a form does not create any advisory, brokerage or fiduciary relationship with you.
No. What an investment did last year says little about what it will do next year, and nothing on this site promises you a particular return, saving or outcome. Calculators work from assumptions, so change them and the answer changes. Markets move, rules change and so does your own situation, so a number that fits today may not fit later.
No. They are independent of the site and run their own practices. Before you talk about hiring one, you should have their Form ADV and Form CRS in hand; ask for them if you do not, and ask any question you have before you sign.
They belong to other companies. Showing an ad or a link is not the same as recommending it, and we have no control over what those sites publish or do with your data. Advertisers have no say in what we write.
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Areas advisors help with
General education only. Asking to be matched creates no advisory relationship; the advisor gives you their own disclosures.