Disclosures

Everything on this website is general information and education. It is not financial, investment, insurance, tax, or legal advice, and it is not a recommendation to buy or sell anything. It does not account for your particular objectives, financial situation, or needs. Please consult a qualified professional about your own circumstances before acting on anything you read here.

Insurance and annuity products are offered through licensed insurance professionals. Products and features are not available in every state, and availability depends on applicable licensing and on the issuing company. Not all products described here will be appropriate, or offered, for every person.

This site is not directed at any person in any jurisdiction where the publication or availability of its content would be contrary to local law or regulation.

Annuities are long-term contracts issued by insurance companies and are designed to be held for an extended period. Important points to understand include:

• Guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.
• Contracts commonly include surrender periods, and withdrawals above the amount the contract permits may incur surrender charges.
• Withdrawals may be taxable, and withdrawals before a certain age may carry an additional tax penalty.
• Fees, features, riders, and terms vary considerably between contracts and companies.
• An annuity is not a bank deposit, is not FDIC insured, and is not guaranteed by any bank or federal agency.

Please read any contract and its accompanying disclosure material in full before purchasing.

Certificates of deposit are offered by banks and credit unions. Rates, terms, and early withdrawal penalties vary by institution. Deposit insurance is provided within federal limits and rules by the applicable insuring agency, and coverage depends on account ownership and the institution involved. Early withdrawal may reduce earnings.

Private Lending is a loan from you to an established residential real estate developer, secured by a Deed of Trust and/or Mortgage Note on residential property. It is not a bank product, is not a deposit, and is not FDIC insured. Key Financial Group of Florida, Inc. is an authorized advisor for the program and is not the borrower.

Funds are not liquid during the term, and an early exit in hardship typically means selling the note at a market discount. Real estate values can change, interest rates can change at renewal, and past performance does not indicate future results. Terms and rates are provided on request and are not published on this site. We strongly encourage you to involve your own tax and legal advisors in any such decision.

Calculators on this site are illustrations based entirely on the figures and assumptions you enter, including a rate of growth that you select. They assume a constant rate, do not account for taxes, fees, or inflation, and are not predictions of actual results. Real returns fluctuate. No result shown is a guarantee, quote, or offer.

Any client comments shown on this site reflect the experience of those individuals and are not a guarantee or indication of future results. Individual experiences vary. Names and identifying details may be shortened or altered for privacy.

Where this site links to or references third-party material, that material is not produced by us and we are not responsible for its accuracy or content. A link does not constitute an endorsement.

If anything on this site is unclear, or you would like more detail about a product or a statement made here, please get in touch. We are glad to explain.