SURE WEALTH SOLUTIONS
SCOPE OF SERVICES, REGULATORY STATUS & GUARANTEE NOTICE
Effective: September 2026
Sure Wealth Solutions provides insurance-related education, insurance planning services, and recommendations concerning insurance products through appropriately licensed insurance producers. We may also provide general financial education concerning topics such as cash flow, retirement income needs, risk management, insurance, annuities, and other financial concepts.
Our Current Regulatory Scope
Sure Wealth Solutions is not currently registered as an investment adviser or broker-dealer. Unless and until otherwise expressly disclosed in writing following applicable registration, Sure Wealth Solutions and its insurance-only representatives do not provide investment advisory services, securities brokerage services, discretionary investment management, or ongoing monitoring of securities portfolios.
We do not provide individualized recommendations concerning whether a client should buy, sell, hold, exchange, liquidate, roll over, or reallocate stocks, bonds, mutual funds, exchange-traded funds, securities-based retirement accounts, variable insurance products, or other securities.
General discussions concerning financial concepts, retirement objectives, liquidity, diversification, market risk, or other educational subjects should not be interpreted as a recommendation concerning any particular security or securities account. Clients seeking advice regarding securities should consult an appropriately registered investment professional.
Our insurance producers may gather information regarding a client’s financial situation, insurance needs, financial objectives, liquidity needs, time horizon, and other information reasonably relevant to determining whether an insurance product is appropriate. Any recommendation made by an insurance-only producer is limited to products and activities within that producer’s applicable insurance license and authority.
Insurance Products and Recommendations
Insurance and annuity recommendations are based on the information available to us at the time of the recommendation and are limited to products that the applicable producer is licensed and authorized to discuss or offer.
Sure Wealth Solutions does not represent that an insurance product is necessarily superior to securities or other financial products outside the scope of our licensing. We do not recommend that a client sell or liquidate a particular security in order to purchase an insurance product.
Guarantees
Sure Wealth Solutions does not itself guarantee financial results, rates of return, investment performance, future values, or the suitability of any product for all circumstances.
When an insurance policy or annuity contains contractual guarantees, those guarantees are obligations of the issuing insurance company and are subject to the terms, conditions, exclusions, limitations, and claims-paying ability of that insurer.
Illustrations may contain both guaranteed and non-guaranteed values. Dividends, indexed interest credits, future renewal rates, nonguaranteed assumptions, and other values identified by an insurer as nonguaranteed should not be interpreted as guarantees by Sure Wealth Solutions.
A financial strategy may reduce or transfer particular risks, but no strategy eliminates every financial, liquidity, tax, credit, inflation, or economic risk.
Third-Party Companies and Services
Sure Wealth Solutions may introduce clients to independent third parties that provide products or services outside Sure Wealth Solutions’ insurance activities.
Unless expressly stated otherwise in writing, those third parties are separate businesses and are responsible for their own contractual obligations, underwriting, financial condition, products, services, documentation, and performance.
Where Sure Wealth Solutions receives compensation in connection with a third-party relationship, any material compensation arrangement and resulting conflict of interest will be disclosed in connection with that particular transaction or service.
Compensation and Conflicts of Interest
Sure Wealth Solutions and its insurance producers may receive commissions or other compensation from insurance companies when clients purchase insurance products. Compensation may differ based upon the company, product, premium, and other factors. This creates a financial incentive associated with a completed transaction.
Clients may request additional information regarding the nature of compensation associated with a proposed transaction.
Tax, Legal and Accounting Matters
Sure Wealth Solutions does not provide legal, tax, or accounting advice. We may discuss general concepts and coordinate with a client’s attorney, accountant, tax professional, registered investment professional, or other advisers when appropriate.
Clients should consult appropriately qualified professionals before making decisions requiring legal, tax, accounting, or securities advice.
Periodic Reviews
Sure Wealth Solutions may periodically review a client’s insurance coverage, contractual benefits, beneficiary designations, income needs, or other insurance-related circumstances.
An insurance review does not create an investment advisory relationship and should not be interpreted as ongoing monitoring or management of a client’s securities or securities portfolio.
Questions About Our Role
Clients are encouraged to ask which licenses apply to a particular product or service and how Sure Wealth Solutions is compensated before proceeding with a transaction.
Our objective is to clearly distinguish the services we are licensed to provide from services requiring other professional registrations so that clients can make informed decisions and involve the appropriate professionals when necessary.