Disclaimers and Advertising Disclosures — Summary

This page provides disclaimers and advertising disclosures advising readers that:

  1. This website could be considered to be an advertisement in Kentucky, under Kentucky’s attorney rules of professional conduct.
  2. This website is an attorney advertisement in Florida under Florida’s rules.

This page also makes a broad disclaimer regarding kyestates.com site ownership and content, cautions against reliance on www.kyestates.com site information, and advises you that reading the kyestates.com site or communicating with its owner or author does not create a professional relationship with Carter Ruml or Ruml PLC.

Because I am a practicing attorney and regulations governing attorneys are complex, the summary above is only a summary, and the full disclosure and disclaimer are provided below.

Substantive Disclosure

Under Kentucky Supreme Court Rule (7.02)(1)(j), I believe the www.kyestates.com site/blog and related webpages are advertisements for Kentucky purposes.  Accordingly, please be advised that:


I believe that under the rules of the Florida Bar Association, the www.kyestates.com site/blog and its related webpages are an advertisement that complies with Rule 4-7.2, as evidenced by this checklist.  Please be advised that for Florida purposes, the www.kyestates.com site/blog and its related webpages are a:


Substantive Disclaimer

This site is owned and operated by C. Carter Ruml, as Member of and on behalf of Ruml PLC, and not by any other law firm, financial institution, or other person or business entity.

No material on www.kyestates.com represents the opinion, position, or views of any person or institution other than Carter Ruml, including, without limitation, Stites & Harbison PLLC, The PNC Financial Services Group, Inc. or any of its affiliates (together, “PNC”) or Wyatt, Tarrant & Combs, LLP (“Wyatt”). Further, no material on this site is legal, tax, accounting, investment, or other professional advice, or an offer or solicitation to purchase or sell any security.

The information contained in this site is provided for informational purposes only.

Do not apply general information in this site or elsewhere to specific facts without consulting an attorney, accountant, or other appropriately qualified professional.

Reading this site or communicating with Ruml will not and does not create a professional relationship with Ruml, Ruml PLC, or any past or present employer of Ruml, including, without limitation, Stites, Wyatt, or PNC.

This site links to other blogs or materials for convenience, but such links do not reply responsibility for or endorsement of the linked material or its author(s). Comments on the site reflect the opinions of their respective author, and do not reflect the opinion of Ruml or any past employer of Ruml, including, without limitation, Stites, Wyatt, or PNC.

This site is provided “AS IS” without express or implied warranty of any kind, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Although IRS Circular 230 no longer requires that you be so advised, please note that you may not rely on any U.S. tax advice contained anywhere in this site or linked materials to avoid Federal tax penalties.