Terms & Conditions | Michael Ciarlo - Retirement Specialist

Terms and Conditions of Website Use

Welcome to Michael Ciarlo Retirement Specialist's website (“Site”), located at www.michaelciarlo.com. These Terms and Conditions (“Terms”) govern your use of the Site. By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you must stop using the Site immediately.

We may update these Terms periodically by amending this page. It is your responsibility to review this page regularly as changes are binding upon you.

1. Access to Our Site

1.1 Access to our Site is provided on a temporary basis, and we reserve the right to:

Withdraw access to the Site
Change or discontinue any service or feature on the Site without prior notice

1.2 We will not be held liable for any unavailability of the Site, at any time or for any duration.

1.3 You are responsible for:

Ensuring access to the Site
Ensuring any individuals using your internet connection are aware of these Terms and comply with them

1.4 You agree not to:

Damage, interfere with, or disrupt access to the Site
Perform any action that interrupts or impairs the Site’s functionality

2. Use of Information

2.1 The content on the Site is for general informational purposes only. While we strive to ensure accuracy, we cannot guarantee that information is complete, up-to-date, or error-free.

2.2 You must not rely solely on the content of this Site for making decisions. You acknowledge that you are responsible for verifying any information before acting on it.

2.3 We reserve the right to modify or remove content on the Site at any time without notice.

3. Intellectual Property Rights

3.1 All intellectual property rights on the Site, including but not limited to copyright, trademarks, design rights, database rights, and trade secrets (“Intellectual Property”), are owned or licensed by Michael Ciarlo Retirement Specialist.

3.2 You may:

View, print, and download material from the Site for personal, non-commercial use only

3.3 You may not:

Modify, reproduce, or republish content from the Site
Use any content for commercial purposes without our express written permission
Attempt to reverse engineer, disassemble, or decompile any part of the Site

All rights not explicitly granted to you in these Terms are reserved.

4. User Conduct

By accessing or using the Site, you agree that you will:

Use the Site only for lawful purposes
Refrain from using the Site to transmit malicious software, spam, or any illegal or harmful content

We reserve the right to restrict or terminate your access to the Site if you breach these Terms.

5. Monitoring

We reserve the right to monitor and track user activity on the Site to ensure compliance with these Terms and improve user experience.

6. Limitation of Liability

6.1 To the maximum extent permitted by law, we disclaim all liability for:

Any direct, indirect, or consequential loss arising from your use of or reliance on content available on the Site
Interruptions or errors in Site functionality

6.2 No Warranties: The Site is provided on an "as is" and "as available" basis. We make no warranties, either express or implied, regarding the accuracy, completeness, or availability of the Site.

7. Links to Third-Party Sites

The Site may contain links to third-party websites. We do not control or endorse these sites and are not responsible for their content, privacy practices, or availability. You access such third-party sites at your own risk.

8. Privacy Policy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and safeguard your information.

9. Changes to These Terms

We may revise these Terms at any time by updating this page. Continued use of the Site after changes indicates your acceptance of the revised Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Connecticut. Any disputes arising out of these Terms shall be subject to the exclusive jurisdiction of the courts of Connecticut.

11. Contact Us

If you have any questions or concerns about these Terms, please contact us at: mciarlo@asb.insure

RA Disclosure

Risk tolerance is an investors general ability to withstand risk inherent in investing. The risk tolerance questionnaire is designed to determine your risk tolerance and is judged based on three factors: time horizon, long-term goals and expectations, and short-term risk attitudes. The adviser uses their own experience and subjective evaluation of your answers to help determine your risk tolerance. There is no guarantee that the risk assessment questionnaire will accurately assess your tolerance to risk. In addition, although the advisor may have directly or indirectly used the results of this questionnaire to determine a suggested asset allocation, there is no guarantee that the asset mix appropriately reflects your ability to withstand investment risk

SSA/Medicare & SSA Max Disclosures:

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

AP Disclosure

Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

FA & FIA Disclosures:

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.