Disclaimer

2. Educational Information

Content on this website may discuss topics such as:

• retirement income
• retirement savings
• Social Security
• Medicare
• longevity
• market-related retirement concerns
• legacy considerations
• insurance-based retirement-income concepts

This information is general in nature. It is not automatically tailored to your individual circumstances.

3. Blackburn's Scope

Blackburn Retirement Strategies is an insurance-focused retirement-income education company. Blackburn does not provide investment-management services, does not manage securities or investment portfolios, does not provide brokerage services, does not provide tax advice, does not provide legal advice, and does not provide comprehensive financial planning.

You should consult appropriately qualified professionals for matters outside Blackburn's scope.

4. Individualized Insurance Recommendations

Individualized insurance recommendations, when appropriate, are provided only after Blackburn has gathered sufficient information about your circumstances and is legally permitted to discuss or recommend the relevant insurance solution. Our ability to provide services may depend on applicable licensing, suitability requirements, disclosures, and other legal or regulatory requirements.

5. No Guarantees or Promises of Results

Retirement outcomes depend on many factors, including market conditions, interest rates, inflation, health, longevity, spending, taxes, carrier terms, and your personal circumstances. Blackburn does not guarantee retirement success, specific financial outcomes, specific tax results, protection from all market-related risks, or that any educational example will match your actual experience.

Where educational content discusses contractual guarantees associated with a particular insurance product, those guarantees are obligations of the issuing insurance carrier — not Blackburn — and are subject to the terms, conditions, claims-paying ability, and provisions of the applicable contract.

6. Third-Party and Changing Information

Blackburn may reference information from third parties, including government agencies, Social Security, Medicare, insurance carriers, and other educational or data sources. Rules, rates, laws, regulations, benefits, carrier terms, and other information can change. Blackburn makes reasonable efforts to provide useful information but does not guarantee that every piece of educational content remains complete, current, or error-free at all times.

Blackburn is not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any government agency.

When insurance products are discussed on this website or in Blackburn's educational materials, product availability may vary, terms and features are determined by the issuing carrier, guarantees are subject to that carrier's contractual terms and claims-paying ability, and product suitability depends on individual circumstances.

7. Tools, Examples, and Illustrations

The Blackburn Retirement Income Planner, other calculators or planning tools, and the educational examples, hypothetical scenarios, projections, charts, and illustrations on this website are intended to help you understand concepts and organize information. Their outputs depend on the information entered, the assumptions used, and the underlying data.

These tools and examples are not investment advice, tax advice, or legal advice. They do not provide guaranteed projections, do not by themselves constitute an insurance recommendation, and do not guarantee future income or results.

8. Contact Us

If you have questions about this Disclaimer, you can reach us online, by mail, or by phone:

• Online: through our Contact page.
• By mail: Blackburn Retirement Strategies LLC, 821 King George Blvd, Ste C-1093, Savannah, GA 31419
• By phone: 912-465-2548

Use of this website is also subject to our Terms of Use, and information practices are described in our Privacy Policy.