Regulatory & General Disclosures

The following disclosures are provided for transparency and informational purposes. This information should be reviewed carefully.

Scope of Services

Savino & Associates is an independent financial services firm. We help individuals, families, and business owners build retirement strategies using insurance products alongside planning, tax, and coordination services. We are not owned by, and do not represent, any single carrier or product provider.

Savino & Associates provides financial planning, coordination, tax preparation, tax planning, insurance planning, and related consulting services pursuant to written agreements, where applicable.

Services are provided in a non-discretionary capacity and are focused on planning, education, and coordination.

Licensing

Savino & Associates and its representatives are licensed to transact insurance business. Insurance products may only be offered and sold in states where the firm and the individual representative hold an active license and the product is approved.

Currently licensed in: Michigan.

Tax returns are prepared by a preparer holding a current IRS Preparer Tax Identification Number (PTIN). Savino & Associates is not a CPA firm and does not employ attorneys. A PTIN authorizes preparation of federal returns for compensation; it does not by itself confer the right to represent clients before the IRS in an examination or appeal. Where representation is required, we will refer you to a certified public accountant, enrolled agent, or attorney.

Nothing on this website constitutes an offer or solicitation in any jurisdiction where the firm is not licensed or otherwise permitted to conduct business.

No Investment Advisory Relationship

Savino & Associates is not registered as an investment adviser and holds no securities registration. We do not sell securities, do not manage investment accounts, and do not provide investment advice or recommendations. Nothing on this website should be construed as investment advisory services or a solicitation to engage in an advisory relationship.

Information provided is general in nature and intended for educational and planning purposes only. Any investment-related decisions should be made in consultation with a properly registered investment adviser.

Where this website refers to protected income, guaranteed income, principal protection, or similar benefits, those references are to insurance products only. They are not references to securities, investment performance, or investment advisory services, and nothing here should be read as a recommendation to buy or sell any security.

Tax & Legal Considerations

Tax-related information is provided for planning, coordination, and preparation purposes only. Savino & Associates does not provide legal advice.

Savino & Associates is not a law firm and does not employ attorneys. No communication with the firm or its representatives creates an attorney-client relationship, and communications with the firm are not protected by attorney-client privilege.

Clients are encouraged to consult with qualified legal and tax professionals regarding their individual circumstances.

Estate Document Preparation

Savino & Associates is not a law firm, does not employ attorneys, and does not practice law. Our role in estate planning is financial: identifying how assets are currently titled and designated, how they would transfer, what that would cost in tax, and how the result compares with what the client intends.

Estate document services are provided under a separate, defined engagement that is non-legal and non-advisory. Under that engagement the client makes all document selections and provides all answers through a third-party document preparation platform. Savino & Associates operates the workflow only: conducting the questionnaire meeting, coordinating document generation and execution, and managing the signing meeting. The firm does not select documents on a client's behalf, does not advise which documents or structures a client should use, and does not interpret the legal effect of any document.

Matters identified as complex are routed through the platform for attorney review at that platform's stated fee. Clients are advised to have estate documents reviewed by an attorney licensed in their state of residence, and are entitled to engage counsel of their own choosing at any time.

Savino & Associates does not guarantee that any document will achieve a particular legal or tax outcome, and does not provide advice regarding the legal validity, execution requirements, or interpretation of any estate document.

Insurance & Compensation Disclosure

Certain insurance-related services may result in compensation through commissions paid by insurance carriers. Such compensation may create a potential conflict of interest.

Insurance and annuity products are a significant component of the firm's business. Compensation may vary between products and carriers, which is itself a potential conflict of interest. Clients are under no obligation to purchase insurance products through Savino & Associates.

Annuity Guarantees

Savino & Associates places fixed and fixed-indexed insurance products only. We do not hold securities registration and do not offer variable annuities, variable life insurance, mutual funds, or any other security.

Insurance products and annuities are not deposits, are not FDIC or NCUA insured, are not bank guaranteed, and are not insured by any federal or state government agency. Guarantees associated with them are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Fixed and fixed-indexed products do not participate directly in the market, and principal is not subject to market loss, though index-linked crediting may be zero in a given period and caps, participation rates, and spreads limit the interest credited.

Annuities are long-term contracts intended for retirement purposes. They may carry surrender charges, holding periods, fees, and limitations on access to principal. Withdrawals may be subject to income tax and, if taken before age 59½, an additional federal penalty. Product features, riders, and availability vary by state and by carrier. Any product should be evaluated against its prospectus, contract, or disclosure statement before purchase.

Related Parties & Affiliated Services

Certain services provided in connection with an engagement, including estate document preparation, may be delivered using platforms or entities in which the principals of Savino & Associates hold an ownership or financial interest.

Where that is the case, the firm or its principals may receive economic benefit in addition to any fee paid for planning services. This is a conflict of interest. Clients are under no obligation to use any affiliated service, are free to obtain equivalent services elsewhere, and may request details of any such relationship before proceeding.

No Government Affiliation

Savino & Associates is not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, the Centers for Medicare & Medicaid Services, the Internal Revenue Service, or any other federal or state government agency.

Information provided regarding Social Security, Medicare, or tax rules reflects our understanding of current law, which is subject to change. Individual eligibility and benefit determinations are made solely by the relevant agency.

Third-Party Links & Information

This website may contain references or links to third-party information. Savino & Associates does not control, endorse, or guarantee the accuracy or completeness of third-party content.

Questions

Questions regarding these disclosures may be directed to Savino & Associates using the contact information provided on this website.