Disclosures

Educational content only

The content on this website is provided for general educational and informational purposes. It is not individualized financial, insurance, investment, tax or legal advice, and it does not take into account your particular objectives, financial situation or needs. No content on this site should be relied upon as a recommendation to buy, sell, hold or replace any financial product.

No guarantees

TMAdvisory LLC dba Legacy Strategies does not guarantee any financial result. Specifically, nothing on this site should be read as a guarantee of:

• investment returns or market performance
• policy performance, credited interest or index crediting
• the payment or amount of dividends, which are declared annually at the discretion of the issuing carrier
• tax treatment, deductions or tax savings
• retirement income amounts or duration
• debt elimination or any specific payoff timeline
• approval of any application for coverage

Any figures, examples or illustrations shown are hypothetical, are intended solely to demonstrate a concept, and do not represent the performance of any specific product or the experience of any specific client.

Insurance products

Insurance and annuity products are offered through licensed insurance professionals. All coverage is subject to the terms of the issued policy or contract, carrier underwriting, product availability, policy design, and the laws and regulations of the applicable state. Product 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 a policy to lapse, and may have tax consequences. Surrendering a policy may result in surrender charges and a taxable gain. Replacing existing coverage may not be in your best interest and should be evaluated carefully.

Indexed products

Indexed universal life insurance is a life insurance contract. It is not a security, not an investment in an index, and does not participate directly in the performance of any index or in dividends paid on securities within an index. Index crediting is subject to caps, floors, participation rates, spreads and crediting methods that are established by the carrier and may be changed within the limits of the contract.

Health insurance

Health plan availability, benefits, provider networks, formularies, premiums and eligibility vary by state, county, carrier and individual circumstances, and are governed by the plan documents. Some products that may be discussed are not major medical coverage and do not satisfy all requirements of the Affordable Care Act. Subsidy eligibility is determined under applicable federal rules based on household income and family size.

Tax and legal matters

TMAdvisory LLC dba Legacy Strategies does not provide tax, legal or accounting advice, and is not a registered investment adviser. Tax treatment described on this site is based on current federal tax law, which may change, and depends on individual circumstances. You should consult your own qualified tax, legal and financial professionals before implementing any strategy described here.

Licensing and service area

Troy Manzi is a licensed insurance producer, National Producer Number 20768765, resident state Florida. Licenses are currently held in the following states, and additional states are added on request:

• Alabama
• Arizona
• California
• Colorado
• Florida
• Idaho
• Indiana
• Iowa
• Nevada
• Ohio
• South Carolina
• Tennessee
• Texas
• Virginia

Products and services are offered only in states where we hold the applicable license and where the relevant product has been approved. Nothing on this website is an offer or solicitation in any jurisdiction where we are not properly licensed. Licensing status can be verified through the National Insurance Producer Registry or your state's department of insurance.

Third-party content

This site may link to third-party websites, scheduling tools or forms. We do not control and are not responsible for the content, availability or privacy practices of those third parties.

Questions

Questions about these disclosures can be sent toTroy@legacystrategies.co.