The following information is disclosed to comply with applicable regulations and to ensure full transparency with clients and site visitors of Legacy Wealth Founders (LWF).
1. Licenses and States of Operation
LWF and its advisors offer products and services only in states where they hold the corresponding licenses. The list of authorized states is available upon client request prior to any transaction.
2. Insurance Products
Insurance policies, including indexed universal life policies (IUL), fixed annuities, and indexed annuities, are products of third-party carriers. LWF and its advisors act as independent agents and receive commissions from insurance carriers when placing these products. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing carrier.
3. Not Registered Investment Advice
Unless expressly stated in writing, LWF does not provide registered investment advice under the Investment Advisers Act of 1940 or discretionary portfolio management services. Educational information published does not replace consultation with a registered investment adviser (RIA), CPA, or attorney for specific decisions.
4. Past Performance
Past performance of any product, index, or strategy mentioned does not guarantee future results. Projections, historical rates, and numeric examples are illustrative and depend on multiple factors that may vary.
5. Indexed Products
Products linked to indexes (such as S&P 500) have growth caps, participation rates, and internal charges that reduce effective return relative to the benchmark index. You are not invested directly in the index. Withdrawals before age thresholds and surrender periods may trigger charges and tax consequences.
6. Real Estate and Financing
The real estate strategies and credit/financing solutions mentioned involve risks — including loss of principal, illiquidity, market volatility, and credit risk. Any real estate or credit transaction is executed through independent licensed professionals and entities.
7. Conflicts of Interest and Compensation
LWF may receive compensation for recommending products from carriers or entities with which it has agreements. All advisors disclose their compensation structure to the client prior to any application or transaction.
8. Not FDIC-Insured
Insurance products and annuities are not bank deposits, are not insured by the FDIC, NCUA, or any government agency, and are not obligations of — nor guaranteed by — any banking institution.
9. Advertising and Testimonials
Any testimonial appearing on this site represents the individual client's experience and is not a guarantee of future results. Testimonials are not compensated unless otherwise indicated.
10. Compliance Contact
For questions about compliance, licensing, or disclosures:
Legacy Wealth Founders
600 S Tryon St, 18th Floor
Charlotte, NC 28202, USA
inf@legacywealthfounders.com