Important Disclosures:

Legacy Yield Financial is a private advisory practice specializing in life insurance and annuity strategies.

Nature of Services:

Legacy Yield Financial provides insurance and annuity strategy only. Legal, tax, accounting, and investment advisory services are not provided unless separately disclosed and licensed. Clients are encouraged to consult independent legal and tax advisors before implementing any strategy. When appropriate, introductions to independent professionals may be made at the client’s discretion.

Product & Performance Disclosure:

Insurance and annuity products are issued by independent insurance carriers. Any guarantees are provided by the issuing insurance company.

Non-guaranteed elements — including dividends, interest crediting rates, projections, and illustrations — are subject to change and are not promises of future performance. Actual results may differ.

Compensation:

Compensation may be received from insurance carriers in the form of commissions or other remuneration if a policy is issued. Compensation does not increase the contractual premium established by the insurer.

No Custody:

Legacy Yield Financial does not take custody of client assets. Premium payments are made directly to the issuing insurance company.

Suitability:

Insurance and annuity strategies are not appropriate for every individual. Products may involve fees, surrender charges, liquidity restrictions, or market risk depending on structure. Policy issuance is subject to underwriting approval by the issuing carrier.

Privacy:

Client information is used solely for strategy evaluation, underwriting, and regulatory compliance. Information is not sold to unaffiliated third parties and is shared only as necessary to process applications or comply with applicable law.

Products are offered in accordance with applicable state regulations.