Full Disclosures

Your Reserve Fund provides financial education and private capital strategy content for business owners and long-term investors. The information on this website and in the Private Capital System Letter is educational in nature and is not individualized financial, legal, or tax advice. Results vary based on individual circumstances, contract design, and market conditions.

Educational Purpose

All articles, guides, playbooks, calculators, and assessments published by Your Reserve Fund are provided for general information and educational purposes only. They are based upon publicly available information from sources believed to be reliable, but we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Nothing on this site is a recommendation to buy, sell, or hold any financial product, security, or insurance contract. You should not act or rely on any information contained herein without first seeking qualified professional advice tailored to your specific circumstances.

Life Insurance & Underwriting

Life insurance requires underwriting, and contract guarantees depend on the claims-paying ability of the issuing insurer. Non-guaranteed values — including dividends and credited interest — may change over time and are not assured. Insurance products are offered through appropriately licensed representatives. Availability and terms vary by jurisdiction.

Policy Loans & Withdrawals

Policy loans and withdrawals accrue interest and, if outstanding at death, reduce the available cash value and death benefit. Surrenders, withdrawals, and loans may be taxable under certain circumstances. A heavily loaned contract that lapses or is surrendered can create adverse tax consequences. Tax outcomes depend on the design and ongoing management of the arrangement as well as current federal and state law.

Tax Matters

To the extent that any material on this site concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

No Guarantee of Results

Individual results will vary depending on underwriting, policy design, cash flow commitment, carrier performance, and prevailing economic conditions. Past performance is not indicative of future results. Illustrations and examples used in our content are hypothetical and for educational purposes only; they do not represent actual client outcomes.

Review Before Implementing

Readers should review a policy illustration approved by the issuing insurer and consult qualified financial, legal, and tax professionals before implementing any strategy described on this website or in the Private Capital System Letter.

Contact

Questions about these disclosures may be directed to editor@yourreservefund.com or by writing to Your Reserve Fund, 6479 Main St, The Plains, VA 20198.