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Website & Regulatory Disclaimer

Last Updated: September 8, 2026

1. General Information Only

This website is provided for general informational and educational purposes. Information on this site is not a substitute for individualized financial, investment, insurance, tax, or legal advice and should not be relied upon as the sole basis for a financial decision.

2. No Personalized Advice or Client Relationship

Viewing this website, submitting a website form, subscribing to communications, or scheduling a meeting does not by itself create a brokerage, investment advisory, insurance, or other client relationship. A client relationship is established only through the applicable agreements, disclosures, and account-opening or engagement process.

3. Securities, Advisory Capacity & Standard of Conduct

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced on this website are independent of Osaic Wealth.

Financial professionals may act in different capacities at different times. When providing investment advisory services, an investment adviser representative is subject to the fiduciary duties applicable to that advisory relationship. When providing brokerage recommendations through Osaic Wealth, the applicable brokerage standard includes Regulation Best Interest. Insurance activities are subject to applicable insurance laws and licensing requirements. The capacity in which a financial professional is acting, together with material fees, compensation, conflicts, and services, should be understood in connection with the applicable agreements and disclosures.

Financial professionals may offer services and transact business only in jurisdictions where they and the applicable firm are appropriately registered, licensed, or exempt from registration or licensing. Not all products or services are available in every jurisdiction or from every financial professional shown on this website.

4. No Offer or Solicitation

Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security, investment product, insurance product, or advisory service. Any offer or recommendation may be made only after appropriate review of a person's circumstances and delivery of required disclosures.

5. Investment Risk and Performance

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. No investment strategy can assure a profit or protect against loss in every market environment. Any examples, illustrations, projections, or hypothetical information are for educational purposes and should not be interpreted as a guarantee of future results.

6. Insurance Information

Insurance information on this website is general in nature. Product availability, features, costs, and suitability vary by carrier, state, and individual circumstances. Any insurance guarantees are subject to the claims-paying ability of the issuing insurance company.

7. Tax and Legal Information

Website content is not intended as tax or legal advice. Tax laws and legal requirements are complex and subject to change. Consult an appropriately qualified tax or legal professional regarding your specific situation.

8. Accuracy and Third-Party Information

Lifetime Retirement Partners seeks to use information believed to be reliable, but does not warrant that website content is complete, current, or error-free. Third-party content, links, tools, and resources are provided for convenience and do not necessarily constitute an endorsement. Third-party websites are governed by their own terms and privacy practices.

9. Regulatory Information

Review Osaic's Form CRS. You can also check the background of a financial professional through FINRA's BrokerCheck.

10. Communications and Instructions

Do not submit Social Security numbers, account passwords, full account numbers, trade instructions, or other highly sensitive financial information through general website forms or ordinary email. Website inquiries and electronic messages should not be used to place securities trades or other time-sensitive account instructions.

11. Limitation of Website Use

To the extent permitted by applicable law, Lifetime Retirement Partners is not responsible for losses arising solely from reliance on general website content, interruption of website availability, or third-party websites. Nothing in this disclaimer limits any duty or liability that cannot lawfully be waived.

12. Changes and Contact

This disclaimer may be updated as the website, services, or applicable requirements change. Questions may be directed to Lifetime Retirement Partners at 800-971-2989 or info@lifetimeretirementpartners.com.