Disclaimer

RETIREMENT OPTIMIZED is an educational-only website that does not provide specific advice nor attempt to solicit products or services. Any and all fees paid to or in connection with RETIREMENT OPTIMIZED are strictly for the value of the RETIREMENT OPTIMIZED educational materials and experience and are not payments for any specific or individualized investment advice or related services.

Publication of information on the RETIREMENT OPTIMIZED website should not be construed by any consumer or prospective client as a solicitation to effect or attempt securities transactions, or for the rendering of personalized investment advice for compensation. RETIREMENT OPTIMIZED is an informational source for both the public and financial professional.

By accessing the retirementoptimized.com website, all users acknowledge and agree that all investments and/or insurance products involve some risk, different investments and/or insurance products involve varying degrees of risk, and there can be no assurance that any specific investment and/or insurance product will either be suitable or profitable for an individual’s portfolio. No individual should assume that any information presented and/or made available on this website serves as the receipt of, or substitutes for, personalized individual advice from the adviser or any other professional. The information on this website is not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. If you are seeking investment, tax and/or legal advice or recommendations, please contact investment, tax and/or legal professional.

Information, interactive calculators, examples and hypothetical scenarios are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and for illustrative purposes only.

Past performance is not a guarantee of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and or strategies recommended and or/purchased by adviser) or product made reference to directly or indirectly on this website, or via link to any unaffiliated third-party web site, will be profitable or equal to corresponding indicated performance levels. Moreover, client or prospective client acknowledges that information with respect to newsletters or other commentaries provided by the financial professional may be dated and no longer reflect the opinion of the financial professional.

References made to historical performance results for indexes and/or categories generally do not reflect the deduction of transaction or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results.