IMPORTANT DISCLOSURES

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Last Updated: September 3, 2026

The information provided on this website by Legacy Wealth Associates is intended for general educational and informational purposes only. It is not intended to constitute individualized investment, financial, tax, accounting, or legal advice.

Insurance products are subject to eligibility requirements, underwriting, product availability, policy terms, exclusions, limitations, and applicable state laws and regulations.

Insurance product guarantees, including guarantees relating to principal, credited interest, income, or death benefits, are backed by the financial strength and claims-paying ability of the issuing insurance company and are subject to the terms of the applicable contract.

Annuities are long-term insurance products designed for retirement and other long-term financial objectives.

Depending on the product, annuities may contain surrender charges, withdrawal limitations, fees, market-value adjustments, tax consequences, and other restrictions. Product features and availability vary.

Withdrawals or distributions may be subject to ordinary income taxes and, when applicable, additional federal tax penalties. Consult an appropriate tax professional regarding your individual circumstances.

When discussing indexed insurance or annuity products, it is important to understand that the contract generally does not involve direct investment in a market index.

Interest-crediting methods, participation rates, caps, spreads, floors, and other contract features vary by product and may change subject to the terms of the applicable contract.

Past performance of a market index does not guarantee future credited interest or financial results.

Decisions involving retirement assets should be evaluated carefully based on an individual's circumstances.

Available options may include maintaining assets in an existing employer-sponsored plan, transferring assets to a new employer-sponsored plan when permitted, rolling assets into an IRA or other eligible arrangement, or taking a distribution.

Each option may have different fees, investment or product choices, services, tax considerations, creditor protections, withdrawal provisions, and other advantages or disadvantages.

No particular option is appropriate for every individual.

Legacy Wealth Associates does not provide tax, accounting, or legal advice unless such services are specifically provided by an appropriately qualified and authorized professional.

Individuals should consult their own attorney, accountant, or tax professional regarding their specific circumstances.

Financial strategies and insurance products involve different risks, benefits, costs, and limitations.

No strategy or product described on this website should be interpreted as guaranteeing a particular financial outcome.

Products and services may not be available in every state or to every individual.

Insurance transactions may only be conducted by appropriately licensed individuals in jurisdictions where they are authorized to conduct business.

Examples, hypothetical scenarios, illustrations, and other educational materials presented on this website are intended solely to explain general financial concepts.

They should not be interpreted as individualized recommendations, guarantees, or representations of actual future results.

Insurance products and services are offered through appropriately licensed insurance professionals. Our team is licensed in Life and Health insurance in jurisdictions where authorized.
Legacy Wealth Associates and its insurance professionals do not provide investment advisory, securities brokerage, legal, tax, or accounting services through this website unless otherwise specifically disclosed and appropriately licensed.
Information regarding retirement, wealth preservation, legacy planning, and related financial topics is provided for general educational purposes. Insurance and annuity recommendations, where applicable, are subject to individual needs, eligibility, suitability or applicable best-interest requirements, product availability, and state insurance laws and regulations.
 

References to third-party companies, products, websites, or resources do not necessarily constitute an endorsement. Third-party information is subject to change and may be governed by separate terms and privacy policies.

Visiting this website, submitting an inquiry, or scheduling a consultation does not by itself establish a client, investment advisory, fiduciary, or other professional relationship.

Any product recommendation or transaction is subject to applicable licensing, suitability or best-interest requirements, documentation, and approval processes.