Financial Services Disclosure

Sir 4te Holdings
www.sir4teholdings.com

Effective Date: January 1, 2026

1. General Information

Sir 4te Holdings provides financial education, financial planning-related guidance, and access to financial strategies and solutions within the scope of applicable professional licensing, authorizations, and business relationships.

Our approach begins with understanding an individual’s financial goals, circumstances, priorities, and concerns before evaluating strategies or products that may be appropriate.

The information provided on this website is intended for general educational and informational purposes. It does not constitute individualized financial, investment, insurance, legal, or tax advice, nor does it establish a professional relationship between Sir 4te Holdings and any website visitor.

2. Scope of Financial Services

Our website discusses financial topics that may include retirement planning, retirement income, wealth accumulation, life and family protection, college and education planning, legacy planning, and financial considerations relevant to healthcare professionals and business owners.

The discussion of a particular strategy or financial product does not imply that it is suitable, available, or recommended for every individual.

Recommendations, when provided, depend on relevant personal and financial information, applicable licensing and regulatory requirements, and the terms of any products or services under consideration.

Sir 4te Holdings does not represent that every financial strategy or product discussed on this website is available through the company.

3. Insurance and Annuity Products

Life insurance and annuity products are subject to the terms, conditions, limitations, exclusions, and provisions of their respective contracts.

Depending on the product, these may include premium requirements, administrative expenses, policy charges, surrender charges, withdrawal restrictions, market-related risks, and other contractual considerations.

Guarantees associated with insurance and annuity products are based on the financial strength and claims-paying ability of the issuing insurance company. They are not guarantees of Sir 4te Holdings.

Product availability, features, benefits, and terms may vary by state, insurer, policyholder characteristics, and other applicable requirements.

No insurance or annuity product is appropriate for every individual or financial objective.

4. Indexed Universal Life Insurance

Indexed universal life insurance (IUL) is a form of permanent life insurance that may provide death benefit protection and the potential to accumulate policy cash value through interest-crediting methods linked to the performance of one or more market indices.

An IUL policy is not a direct investment in the stock market or the underlying index.

Policy performance depends on contractual provisions, premium payments, insurance costs, administrative charges, crediting methods, caps, participation rates, spreads, and other factors that may change subject to policy terms.

Although certain index-crediting methods may include a minimum credited interest rate, this does not mean that overall policy cash value is guaranteed against reduction. Policy charges, loans, withdrawals, and insufficient funding may affect policy values and could cause a policy to lapse.

Policy loans and withdrawals may reduce cash values and death benefits, affect policy performance, create tax consequences, or result in policy termination. Loans from a modified endowment contract may receive different tax treatment.

Any illustrations or projections are based on stated assumptions and should not be interpreted as guarantees of future performance.

5. Annuities and Retirement Income

Annuities are insurance contracts that may be used for retirement accumulation, income planning, or other financial objectives.

Different annuity products have different features, risks, fees, liquidity provisions, surrender periods, and income options.

Certain annuities may provide guaranteed income benefits subject to contractual conditions and the issuing insurer’s claims-paying ability. Optional income riders may involve additional charges and limitations.

Indexed annuities are not direct investments in the underlying market indices. Interest-crediting methods may be subject to caps, participation rates, spreads, and other contractual provisions.

Withdrawals exceeding permitted amounts may result in surrender charges, adjustments, tax consequences, or other costs.

Annuities held within qualified retirement accounts generally do not provide additional tax deferral beyond the tax treatment already available to those accounts.

Before considering an annuity, individuals should evaluate their financial objectives, income needs, liquidity requirements, existing retirement resources, and available alternatives.

6. Retirement Planning and Investment-Related Information

Retirement planning involves multiple considerations, including income needs, savings, employer-sponsored retirement arrangements, pensions, Social Security, inflation, taxes, longevity, and financial risk.

Information concerning retirement accounts, investment concepts, asset accumulation, or financial markets is provided for educational purposes.

References to historical returns, hypothetical illustrations, or projected financial outcomes do not guarantee future results.

Sir 4te Holdings does not represent that any particular retirement strategy will eliminate financial risk, prevent investment losses, or ensure a specific retirement outcome.

Investment advisory services, securities recommendations, and securities transactions, where applicable, may be offered only through appropriately registered or licensed individuals and entities.

Nothing on this website should be interpreted as a representation that Sir 4te Holdings is a registered investment adviser or broker-dealer unless such status is separately and accurately disclosed.

7. Tax Considerations

Certain financial strategies and products may involve tax-related features or considerations.

Tax treatment depends on applicable law, individual circumstances, product structure, and other relevant factors. Tax laws and interpretations may change.

References to tax-deferred accumulation, potentially tax-advantaged distributions, or other tax-related benefits should not be interpreted as guarantees of tax outcomes.

Sir 4te Holdings does not provide individualized tax advice. Individuals should consult qualified tax professionals before making decisions with material tax consequences.

8. Estate and Legacy Planning

Legacy planning may involve life insurance, beneficiary arrangements, asset transfers, estate considerations, and other strategies intended to support an individual’s wishes and financial objectives.

Sir 4te Holdings does not provide legal services or prepare legal documents unless such services are separately authorized and expressly agreed in writing.

Estate planning documents, trusts, wills, powers of attorney, and related legal matters should be reviewed with appropriately qualified legal professionals.

Financial strategies discussed in connection with legacy planning should be evaluated in coordination with applicable legal and tax considerations.

9. Educational Videos, Articles, and Calculators

Sir 4te Holdings provides access to educational resources that may include original articles, third-party videos, and external financial calculators.

These resources are intended to improve general financial understanding and do not constitute individualized recommendations.

Third-party content may express the views, assumptions, or explanations of its respective provider and does not necessarily represent an endorsement of every statement, product, or strategy discussed.

Calculator results are estimates based on information entered and underlying assumptions. Actual results may differ materially.

Visitors should not rely solely on educational resources or calculator outputs when making significant financial decisions.

10. Financial Illustrations and Hypothetical Examples

Examples, scenarios, charts, projections, and illustrations presented on this website or during educational discussions may be hypothetical.

Hypothetical results are not actual client results and may depend on assumptions that do not occur in practice.

Unless expressly identified as guaranteed contractual values, projected outcomes should not be interpreted as guarantees.

Where applicable, product-specific illustrations and disclosures should be reviewed carefully before any financial decision is made.

11. Professional Qualifications and Fiduciary Responsibilities

Sir 4te Holdings may reference the professional qualifications, experience, licenses, certifications, and designations of its personnel.

Such credentials are provided to describe professional background and should not be interpreted as guarantees of financial outcomes or as establishing regulatory status beyond applicable licensing and registration.

The Certified Financial Fiduciary® designation reflects completion of a professional certification program. It does not, by itself, establish that every interaction, service, or product recommendation is subject to a legally defined fiduciary relationship.

Any fiduciary obligations applicable to a particular engagement depend on the nature of the services provided, applicable law, regulatory requirements, and relevant agreements.

12. Licensing and Product Availability

Financial products and services are offered only where permitted by applicable laws, licensing requirements, insurer appointments, and other relevant authorizations.

Not all products or services discussed on this website are available in every state or to every individual.

Any offer or solicitation involving an insurance or financial product is subject to applicable licensing, eligibility, suitability, and regulatory requirements.

13. No Guarantee of Financial Outcomes

Financial strategies involve uncertainty and may be affected by personal circumstances, economic conditions, product provisions, changes in law, and other factors.

Sir 4te Holdings does not guarantee that any financial strategy will achieve a specific outcome, eliminate financial risk, or produce a particular level of wealth or retirement income.

Financial decisions should be based on an appropriate understanding of the relevant benefits, costs, risks, limitations, and alternatives.

14. Additional Disclosures

Specific financial products, insurance carriers, professional affiliations, or services may require additional disclosures beyond those provided on this website.

Where applicable, such disclosures will be provided in connection with the relevant product, service, recommendation, or transaction.

15. Contact Information

For questions concerning these Financial Services Disclosures, please contact:

Sir 4te Holdings
Charlotte, North Carolina

Email: info@sir4teholdings.com
Phone: (888) 483-9324
Website: www.sir4teholdings.com

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