Important Disclosures

Effective Date: August 22, 2026

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The information provided on this website is for general educational and informational purposes only. It is intended to help individuals, families, businesses, and organizations better understand financial planning concepts and potential strategies that may be available to them.

 

Planning Before Products

Green Flag Financial believes effective financial planning begins with understanding the client—not with selecting a financial product.

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Our role is to help clients identify objectives, evaluate potential strategies, and, when appropriate, coordinate with experienced professionals and product specialists.

The strategies discussed on this website are not appropriate for every individual or organization. Recommendations, when made, are based upon the specific circumstances, objectives, financial resources, eligibility, and other relevant considerations of the client.

 

Collaborative Planning

Green Flag Financial may work collaboratively with CPAs, attorneys, financial professionals, insurance professionals, lenders, financing specialists, and other advisors as appropriate to a client's circumstances.

Unless specifically stated otherwise, these professionals and organizations are independent of Green Flag Financial and are responsible for the professional advice and services they provide.

Your existing professional advisors remain an important part of the planning process, and we encourage clients to consult their own tax, legal, accounting, and investment professionals when evaluating strategies that involve those disciplines.

 

No Tax or Legal Advice

Green Flag Financial does not provide legal, tax, or accounting advice.

Information regarding taxation, estate planning, business structures, charitable organizations, employee benefits, or other legal or tax matters is provided for general educational purposes only.

Clients should consult qualified attorneys, CPAs, tax professionals, or other appropriate advisors regarding their individual circumstances before implementing a strategy involving legal or tax considerations.

 

Insurance Products

Insurance products are issued by third-party insurance companies and are subject to the terms, conditions, limitations, exclusions, and requirements of the applicable insurance contract.

Availability, eligibility, premiums, benefits, and underwriting requirements vary by insurance company, product, jurisdiction, and individual circumstances.

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Life insurance coverage is subject to underwriting and approval by the issuing insurance company. No coverage exists until the applicable carrier has approved and issued the policy and all requirements for coverage have been satisfied.

 

Financial and Insurance Illustrations

Any examples, projections, illustrations, or hypothetical scenarios presented on this website or during preliminary planning discussions are provided for educational purposes and should not be interpreted as guarantees of future performance or results.

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Actual results may differ materially depending upon product performance, interest-crediting rates, policy charges, financing costs, tax treatment, withdrawals, loans, and other factors.

Official insurance illustrations and contractual documents provided by the applicable insurance carrier should be reviewed before making a decision.

 

Premium Financing and Advanced Strategies

Certain strategies discussed by Green Flag Financial may involve premium financing, commercial lending, policy loans, executive or employee benefits, business planning, or other advanced financial arrangements.

These strategies can involve significant financial, tax, legal, interest-rate, collateral, liquidity, and insurance risks and are not appropriate for everyone.

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Financing arrangements are subject to lender approval, loan terms, collateral requirements, interest rates, and other conditions. Insurance policies used in connection with financing arrangements remain subject to the terms and performance of the applicable policy.

 

Clients should carefully evaluate these risks with the appropriate financial, tax, legal, insurance, and lending professionals before proceeding.

 

No Product Recommendation Through This Website

Nothing on this website constitutes an offer, solicitation, or recommendation to purchase or sell a particular insurance, investment, lending, or financial product.

 

References to financial strategies or products are intended to illustrate planning concepts. A particular product or strategy should be considered only after the client's needs and circumstances have been evaluated.

 

No Guarantee of Results

Financial, tax, insurance, lending, and estate-planning strategies involve assumptions and circumstances that can change over time.

 

Green Flag Financial does not guarantee particular financial results, tax outcomes, investment performance, insurance-policy performance, financing terms, or future benefits.

 

Third-Party Professionals and Providers

Green Flag Financial may introduce clients to independent professionals, insurance companies, lenders, financial institutions, or other service providers.

 

Unless otherwise disclosed, Green Flag Financial does not control these third parties and is not responsible for the professional advice, products, services, underwriting decisions, lending decisions, or performance of independent third-party providers.

 

Website Information

Green Flag Financial makes reasonable efforts to provide accurate and useful information. However, financial products, tax laws, regulations, interest rates, underwriting requirements, and other circumstances may change.

Information on this website should therefore not be relied upon as a substitute for individualized professional advice.

 

Contact

Questions regarding these disclosures or Green Flag Financial's services may be directed to:

Green Flag Financial
Phone: (800) 884-7450