Information only
Everything on this site is general information. It is not personalized advice and it is not a recommendation to buy, sell or hold any product. A plan comes from a conversation about your situation.
No guarantees
Nothing here promises a result. Insurance and annuity guarantees depend on the claims-paying ability of the issuing company, and every product is governed by the terms of its contract.
Using the content
You are welcome to read and share the guides for personal use. Please ask before copying them for commercial use.
Links
Links to other sites, such as the IRS or Social Security, are provided for reference. Their terms apply on their sites.
Changes
These terms may be updated. The date at the bottom shows the latest version.
Last updated October 2026. Draft: Pete and his compliance contact review before publishing.