Editorial Policy

Last updated: May 2025

Finluxy is committed to publishing accurate, well-sourced, data-driven content for high-income U.S. households. This page explains every aspect of how we operate editorially — from how we pick topics to how we handle errors, and how our commercial model does and does not affect what we publish.

1. Editorial Mission

Finluxy exists to surface verifiable financial data that is specifically relevant to households earning $150,000 or more annually — an audience that is systematically underserved by mainstream personal finance content, which is designed for the median U.S. household.

Our editorial mission has three pillars:

  • Data over opinion. Every significant claim is supported by a cited, named source. We do not publish assertions that cannot be backed by verifiable data.
  • Accuracy over speed. We are not a news publication. We do not rush to cover breaking financial news. We publish carefully researched analyses that we believe will remain relevant and accurate over time.
  • Transparency over neutrality. We are transparent about our methodology, our limitations, our revenue model, and the gaps in our data. Claiming false neutrality is its own form of bias. We prefer to state our assumptions clearly.

2. Who Creates Our Content

All content published on Finluxy is written and reviewed by Luong Ngo, an independent financial researcher and data analyst. He is the sole author and editor of this publication.

Luong is not a licensed financial advisor, registered investment advisor (RIA), certified public accountant (CPA), licensed attorney, or insurance professional. His expertise is in data research and quantitative analysis. Content on Finluxy reflects that expertise — it is data journalism, not financial advisory service.

Some articles may be drafted with the assistance of AI writing tools. All such content is reviewed, edited, verified for accuracy, and approved by Luong Ngo before publication. AI-drafted content is never published without human review and source verification.

3. How We Select Topics

Topics are selected using the following criteria, in rough order of priority:

  1. Data availability. We only cover topics where credible, quantifiable data exists. If we cannot source the numbers, we do not publish the article.
  2. Relevance to the $150K+ audience. We focus on financial questions where the answer differs meaningfully from what standard personal finance content provides — because the income context changes the decision.
  3. Search demand. We research what high-income households are actively trying to understand. If people are searching for it, the information gap is real.
  4. Coverage gaps. We look for topics where existing coverage is thin, inaccurate, or too generic to be useful for our audience.

We do not accept payment to cover specific topics. We do not publish content because a brand or affiliate partner requests it. Topics are chosen editorially, independent of commercial relationships.

4. Data Sources and Standards

We prioritize primary and authoritative sources above all others. Our standard source hierarchy:

  1. U.S. government data — Bureau of Labor Statistics (Consumer Expenditure Survey, CPI), IRS Statistics of Income, Federal Reserve (Survey of Consumer Finances, Flow of Funds), U.S. Census Bureau, CFPB, FHFA, and equivalent agencies
  2. Peer-reviewed academic research — published studies in economics, public finance, and related fields
  3. Established industry research organizations — J.D. Power, Kelley Blue Book, Edmunds, Zillow Research, Morningstar, National Association of Independent Schools, and similar entities with transparent methodologies
  4. Non-profit financial research organizations — Tax Policy Center, Urban Institute, Brookings Institution, NBER, and similar
  5. Company filings and public disclosures — SEC filings, earnings reports, publicly disclosed pricing

We do not treat blog posts, social media, or press releases as primary sources. When secondary sources are used, they are evaluated for methodology and reliability before citation.

Estimation and uncertainty: When data involves estimation, interpolation, projection, or is drawn from a single study, we say so explicitly in the article. We do not present uncertain figures with false precision. When a range exists across studies, we report the range rather than selecting the figure that best supports a narrative.

We do not fabricate statistics. If a figure cannot be sourced, it is not published as fact.

5. Article Review Process

Before any article is published on Finluxy, it goes through the following review:

  1. Source verification — all cited data points are checked against the original source
  2. Accuracy review — figures, calculations, and contextual claims are reviewed for correctness
  3. Disclosure check — affiliate links are identified and disclosure language is added where required
  4. Disclaimer check — articles touching on investment, tax, insurance, or legal topics include appropriate disclaimers

6. How Commercial Relationships Affect (and Don’t Affect) Our Content

Finluxy earns revenue through two channels: Google AdSense (display advertising) and affiliate marketing programs. We are transparent about both. Here is exactly how these relationships do and do not affect editorial decisions:

What commercial relationships do NOT affect:

  • Which topics we cover
  • What data we report
  • What conclusions we reach
  • Whether we report unfavorable data about a product, brand, or category
  • Which products or services we recommend or reference

What affiliate relationships mean in practice:

  • When an article contains affiliate links, a disclosure appears at or near the top of the article
  • Affiliate links are only used for products or services that are genuinely relevant to the article topic
  • We do not alter data, suppress findings, or change our analysis to accommodate a partner’s preferred narrative
  • We do not accept sponsored posts, native advertising, or paid content of any kind disguised as editorial
  • Advertisers have no editorial input — they cannot request specific topics, approve content before publication, or influence our conclusions

Full details are available on our Affiliate Disclosure page.

7. Updates, Corrections, and Retractions

Financial data changes. We take the following approach to keeping content accurate:

  • Scheduled updates — articles based on annual data releases (e.g., BLS Consumer Expenditure Survey, IRS SOI data) are reviewed and updated when new data is published
  • Reader-flagged corrections — when a reader identifies a potential error, we investigate promptly. If the error is confirmed, we correct it and note the correction
  • Material corrections — when a significant factual error is corrected, a correction notice is added at the bottom of the article with the date of correction and a description of what was changed. We do not silently edit away errors
  • Retractions — in the rare event that an article’s central claim is unsupportable, the article will be taken down and a retraction notice published

To report an error, email [email protected] with the subject line “Correction Request.” Please include the URL of the article and the specific figure or claim you believe is incorrect. We take correction requests seriously and respond to all of them.

8. What Finluxy Is Not

To be precise about our limitations:

  • We are not a licensed financial advisory firm
  • We are not a registered investment advisor (RIA)
  • We are not a certified public accounting practice
  • We do not provide personalized financial, investment, legal, or tax advice
  • We are not a news publication — we do not cover breaking financial news or provide real-time market data

Content on Finluxy is for informational and educational purposes only. It provides data context, not personal guidance. Always consult a qualified professional before making significant financial decisions.

Questions about our editorial standards? Email [email protected].