Compliance

1. General information, not personal advice

Fenceline Financial’s website introduces topics involving family protection, wealth accumulation, education, debt, retirement, business planning, and legacy. The information is educational and does not by itself constitute individualized financial, investment, insurance, legal, or tax advice. Recommendations require consideration of your circumstances and the authority of the professional providing them.

2. Licensing and availability

Insurance and regulated financial services may be offered only by appropriately authorized persons and where permitted by applicable law. Availability can differ by jurisdiction, provider, and product. References to geographic reach or service categories do not establish that every person, product, or service is licensed or available in every location.

Before a transaction, request the legal name, licensing or registration information, and relevant affiliations of the professional and firm involved. This website does not represent that Fenceline Financial is a bank, broker-dealer, or registered investment adviser merely because it discusses financial topics.

3. Insurance policy terms and living benefits

Insurance coverage is subject to the issuing insurer’s terms, eligibility and underwriting requirements, premiums, exclusions, and limitations. Living benefits are not identical across policies; qualifying conditions, charges, and effects on the remaining death benefit must be reviewed in the applicable contract. A contact-form submission does not bind or change coverage.

Any insurer guarantee is subject to the terms of the policy and the insurer’s claims-paying ability. Review the actual policy and required disclosures before making a decision.

4. Cash value, loans, and insurance-based strategies

References to infinite banking or family banks describe topics for discussion, not a promise of free financing, guaranteed growth, or tax-free results. Policy loans may accrue interest and affect cash value or death benefits. Withdrawals, surrender, or lapse may have costs and tax consequences. Review guarantees separately from non-guaranteed illustrations and consult qualified tax advisers about your circumstances.

5. Investment and retirement risk

Investment values may fluctuate, and investing can involve loss of principal. Past performance, projections, illustrations, and planning examples do not guarantee future results. A strategy suitable for one person may be unsuitable for another. Discuss fees, liquidity, time horizon, risk, and any applicable restrictions with a qualified professional.

6. Legal and tax matters

Estate, legacy, education, and business discussions may involve legal or tax issues. General website content is not a substitute for advice from your attorney or tax professional. Documents, ownership arrangements, beneficiary decisions, and tax treatment require review in light of your circumstances and applicable law.

7. Testimonials and marketing statements

A testimonial describes an individual experience and does not guarantee that another person will receive the same service experience or financial result. Statements about goals, opportunities, impact, or a stronger future describe planning objectives rather than guaranteed outcomes. Ask for supporting information when a claim is material to your decision.

8. Compensation and conflicts

Before engaging a professional or purchasing a product, ask how the professional and firm are compensated, including any fees, commissions, referral arrangements, or other financial incentives. Request applicable written disclosures and discuss potential conflicts of interest before deciding whether to proceed.

9. Verify credentials and raise concerns

You may verify insurance credentials with the relevant state insurance department. Florida consumers can start with the Florida Department of Financial Services, Insurance Agent and Agency Services. For investment-professional registration information, visit Investor.gov. A government registration or license is not a guarantee of performance.

For a concern about this website or a communication from Fenceline Financial, contact us below. You may also contact the appropriate regulator directly. This disclosure page is not a certification that every business activity has been reviewed or approved by a regulator.

Contact Fenceline Financial at advisor@fenceline.com, call (503) 347-1371 or (323) 707-4506, or use our contact form.