Copyright © 2017 Luson Media, LLC | All Right Reserved.
The information provided on this website by Zivae Financial Services is intended for general educational and informational purposes only. It should not be considered individualized financial, investment, tax, legal, or insurance advice.
Zivae Financial Services provides educational resources and personalized guidance to help individuals and families make informed decisions regarding retirement income, life insurance, annuities, wealth preservation, estate planning, and financial planning.
All recommendations are subject to individual circumstances, financial objectives, eligibility requirements, and applicable laws and regulations.
Insurance and annuity products are subject to availability, underwriting, contractual provisions, limitations, exclusions, and the financial strength and claims-paying ability of the issuing insurance company.
Annuities are long-term financial products that may involve surrender charges, withdrawal restrictions, fees, and tax consequences. Guarantees are backed solely by the issuing insurer and are not guaranteed by Zivae Financial Services.
Insurance and annuity products are not bank deposits, are not FDIC-insured, and may lose value depending on product features.
Information regarding retirement strategies, asset preservation, income planning, and investment concepts is provided for educational purposes.
Unless separately disclosed and appropriately registered or exempt, Zivae Financial Services does not provide securities investment advisory services or act as a registered investment adviser.
Past performance does not guarantee future results. No financial strategy can guarantee the achievement of specific retirement or investment objectives.
Zivae Financial Services does not provide legal or tax advice unless such services are separately offered by appropriately licensed professionals.
Clients should consult qualified attorneys, tax professionals, or other licensed advisers regarding their specific circumstances.
Estate planning and elder-law services, where available, may be provided through independent licensed legal professionals.
Insurance products and services are offered only in jurisdictions where the applicable insurance professionals are properly licensed and authorized.
Not all products, carriers, or services are available in every state.
Financial illustrations, projections, and examples are hypothetical unless otherwise indicated. Actual outcomes depend on market conditions, product terms, individual circumstances, and other factors.
Submitting information through this website does not establish an advisory, fiduciary, attorney-client, or insurance-client relationship.
Visitors should avoid submitting Social Security numbers, financial account credentials, medical records, or other sensitive personal information through unsecured website forms.
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