DISCLAIMERS This book is for educational and informational purposes only. It is designed to help you think about property taxes, town selection, and real estate decisions in a more strategic way. It is not financial, tax, legal, or investment advice. All examples, figures, scenarios, charts, and comparisons in this book are simplified and approximate. Property taxes vary by town, by property, by assessment changes, and by year. Home prices vary based on condition, location, upgrades, market conditions, and many other factors. Mortgage qualification and monthly payment estimates depend on interest rates, loan products, credit scores, debt to income ratios, lender guidelines, and other underwriting criteria. The SALT (state and local tax) deduction examples are general in nature. The actual tax treatment of property taxes, state income taxes, and other deductions depends on your personal situation, your filing status, current tax law, and the interpretation of your tax advisor. You should consult a qualified tax professional, certified public accountant, or financial advisor before making any tax related decisions. I am a Realtor, not a tax professional or investment advisor. I can help you understand real estate markets, compare towns and neighborhoods, evaluate property options, and navigate the process of buying and selling homes. I cannot and do not provide tax, legal, or investment advice. Before you make any major financial decision, including buying or selling a home or relocating to a different town for tax
reasons, you should consult with: • A licensed tax professional or CPA • A mortgage professional
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