"Disclosure Statement: The information provided on this website regarding retirement planning, life insurance, and financial advices are based on the collective experience and knowledge of our team. We strive to offer accurate and up-to-date information to assist our visitors in making informed decisions about their financial futures. However, we recommend you to discuss your specific financial goals and circumstances with our agent personally to provide the most accurate information and solution base on your needs and goals. Our website serves as an educational resource and we are not responsible for any actions taken based on the information provided on this website without consulting with directly. Visitors are encouraged to conduct their own research and seek professional guidance when making financial decisions."