Disclosures Page

Effective Date: January 1st, 2026

Secure Retirement & Estate provides financial education and retirement income planning discussions.

Insurance Licensing

The owner of Secure Retirement & Estate is a licensed life insurance professional in the State of California.

Insurance products and annuities are offered only to residents of California where properly licensed.

Licensing information is available upon request.

No Investment Advisory Services

Secure Retirement & Estate is not a registered investment advisor unless otherwise stated in writing.

We do not provide securities brokerage services. If investment advisory services are needed, you should consult a properly registered investment advisor.

No Tax or Legal Advice

Information provided through this website, advertisements, quizzes, or consultations is for educational purposes only and should not be considered tax or legal advice.

You should consult a qualified CPA, tax professional, or attorney regarding your specific situation.

Product Guarantees

Any guarantees referenced in relation to insurance or annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance company.

Third-Party Relationships

Secure Retirement & Estate operates independently and may be affiliated with insurance marketing organizations (FMOs) or carriers for product access and support. However, we are not owned or controlled by any specific carrier.

Advertising Disclosure

This website and associated advertisements are intended for California residents only.

Services are offered only in states where properly licensed.