Disclosures

Educational purpose

All content on this website is provided for general educational purposes only. It is not individualized financial, tax, legal or investment advice, and it does not constitute an offer or solicitation to buy or sell any security or insurance product.

No strategy described here is suitable for every person. Suitability depends on your individual circumstances, and you should consult qualified professionals before acting.

Insurance products

Insurance and annuity products are issued by insurance companies and are subject to the terms, conditions, limitations and exclusions of the issuing contract. All guarantees are backed solely by the claims-paying ability of the issuing insurance company.

Policy loans and withdrawals reduce available cash value and the death benefit, may cause the policy to lapse, and may have tax consequences. Dividends are not guaranteed. Illustrated values other than guaranteed elements are not guarantees or projections of future results.

Indexed products do not directly participate in any stock or equity investment. Index crediting is subject to caps, participation rates and spreads which may change. Living benefit riders are subject to eligibility, carrier definitions and state availability, and any accelerated amount reduces the death benefit.

Scope of services

Lighthouse Legacy Strategies is an independent insurance practice. Sharon Donovan is a licensed life and health insurance agent, National Producer Number 18170848, holding active licenses in Arkansas, Missouri and Texas. Products are offered only in states where she is licensed, and product availability varies by state and carrier.

Nothing on this website is an offer to sell, or a solicitation to buy, any security, and nothing here is investment advice or a recommendation to buy, hold or sell any security. Sharon Donovan is not a registered investment adviser, a broker-dealer, an attorney or a tax professional, and does not provide legal or tax advice.

Any reference to retirement accounts, rollovers, indexed growth or tax treatment is educational. Whether a particular account or strategy is appropriate depends on your own circumstances, and the tax treatment of any account is determined by the IRS and by your own tax advisor.

Federal employee benefits

Lighthouse Legacy Strategies is not affiliated with, endorsed by or connected to the United States government, the Office of Personnel Management, the Thrift Savings Plan, the Federal Employees' Group Life Insurance program or any federal agency.

Descriptions of FERS, TSP, FEGLI, Social Security and related programs are general and educational, reflect rules in effect at the time of writing, and may change. Your agency human resources office and the Office of Personnel Management are the authorities on your federal benefits. Confirm any election with them before acting.

Client reviews

Client reviews on this website reflect the personal experiences of individual clients and are not a guarantee of any outcome. Individual results vary.