Disclaimer

General Information

Setter Financial provides educational information and access to insurance, annuity, and estate-planning-related services. Information provided on this website is intended for general educational purposes and should not be considered individualized legal, tax, investment, or financial advice.

Every individual's circumstances are different. Products and services should be evaluated based on your individual needs, objectives, financial situation, and eligibility.

No information contained on this website constitutes a guarantee of future results or a recommendation to purchase any particular product or service.

Insurance Services

Setter Financial offers access to a variety of insurance products through multiple insurance companies. Products may include:

• Term life insurance
• Whole life insurance
• Indexed universal life insurance
• Final expense insurance
• Fixed annuities
• Fixed indexed annuities
• Income annuities
• Other insurance products as appropriate

Insurance product availability varies by state, insurance company, age, health, underwriting requirements, and other eligibility factors.

Coverage is not effective until an insurance company has approved the application, issued the policy, and all applicable requirements have been satisfied.

Insurance guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

Setter Financial does not guarantee that any individual will qualify for insurance coverage or that a particular product will be appropriate for every individual.

Annuity Disclosure

Annuities are long-term insurance products and are not appropriate for everyone.

Depending on the type of annuity, contracts may include:

• Surrender periods
• Surrender charges
• Withdrawal limitations
• Participation rates
• Caps
• Spreads
• Market value adjustments
• Rider charges
• Income-benefit provisions
• Other contractual limitations

Withdrawals may be subject to ordinary income taxes and, when applicable, additional federal tax penalties.

Fixed indexed annuities are not direct investments in a stock market index. Interest credited to a fixed indexed annuity is determined according to the terms and crediting methods of the insurance contract.

Lifetime income guarantees are subject to the terms of the annuity contract and the claims-paying ability of the issuing insurance company.

Registered Annuities and Securities Products

Certain products discussed on this website, including Registered Index-Linked Annuities (RILAs) and Variable Annuities, are registered securities in addition to being insurance products.

These products are offered only through an appropriately licensed securities entity and are separate from insurance business conducted through Setter Financial.

Registered products involve investment risk, including the potential loss of principal. Investors should carefully review applicable prospectuses, product disclosures, fees, risks, surrender provisions, and contract terms before purchasing.

Investment Advisory Services

John Cox also provides investment advisory services separately through Global View Capital Advisors.

Global View Capital Advisors is not affiliated with Setter Financial.

Setter Financial does not operate as a registered investment adviser, and investment advisory services are not provided through Setter Financial.

Any investment advisory relationship, recommendations, accounts, or services are conducted separately through the appropriately registered investment advisory entity and are subject to its own agreements, disclosures, compliance requirements, and regulatory oversight.

Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.

Estate Planning Services

Setter Financial helps individuals and families understand their estate-planning options and assists clients through the information-gathering and estate-planning process.

Setter Financial is affiliated with Estate Guru for estate-planning services. All estate-planning legal services and legal-document preparation are completed through Estate Guru's legal team.

Estate-planning services may include:

• Wills
• Revocable living trusts
• Financial Powers of Attorney
• Healthcare Powers of Attorney
• Trust amendments
• Real estate retitling
• Other estate-planning services when appropriate

Setter Financial is not a law firm and does not practice law.

Setter Financial does not independently draft legal documents or provide legal opinions. Legal documents and legal services are provided through Estate Guru's legal team.

Estate-planning laws vary by state, and the availability or appropriateness of particular estate-planning strategies may depend on the client's state of residence and individual circumstances.

Estate-planning services are available in 49 states through the Estate Guru relationship, subject to applicable state requirements and service availability.

No Legal or Tax Advice

Setter Financial does not provide legal or tax advice.

Information concerning taxation, estate planning, probate, trusts, insurance taxation, or similar matters is provided for general educational purposes.

Clients should consult with qualified attorneys, tax professionals, accountants, or other appropriate professionals regarding their individual circumstances.

Estate Planning Fees

Any applicable fees for estate-planning services will be disclosed before services are initiated.

Certain services may involve additional costs, including real estate deed preparation or retitling, amendments, recording fees, or other services depending on the client's circumstances.

Please refer to the Estate Planning Fee Schedule for current pricing.

Medicare Referrals

Setter Financial may provide access to or referrals for Medicare-related assistance through third-party organizations.

Medicare products and services are provided by appropriately licensed third parties. Setter Financial does not represent Medicare, the federal government, or the Centers for Medicare & Medicaid Services.

Availability of Medicare plans and benefits varies by geographic location, eligibility, insurance carrier, and plan year.

Educational Content

Articles, videos, blog posts, social-media content, examples, calculators, illustrations, and other educational materials provided by Setter Financial are intended to help consumers better understand financial and estate-planning concepts.

Examples are for illustrative purposes only and should not be interpreted as guarantees, predictions, or individualized recommendations.

Product features, interest rates, participation rates, caps, insurance costs, fees, and other terms may change.

Third-Party Information and Links

This website may contain links to or information from third-party organizations, insurance companies, Estate Guru, financial institutions, regulatory organizations, or other outside sources.

Setter Financial is not responsible for the content, availability, security, privacy practices, or accuracy of third-party websites.

A link to another website does not necessarily constitute an endorsement of all information, products, or services offered by that organization.

Privacy

Setter Financial respects the privacy of individuals who contact us.

Information submitted through this website may be used to:

• Respond to inquiries
• Schedule appointments
• Provide requested information
• Assist with applications or services requested by the client
• Communicate regarding existing or prospective services

Personal information will not be intentionally sold to third parties for unrelated marketing purposes.

Information may be shared with insurance companies, Estate Guru, securities firms, service providers, or other professionals when necessary to provide a service requested by the client and as permitted or required by law.

Sensitive personal or financial information should not be transmitted through ordinary email or website forms unless a secure method has been provided.

Electronic Communications

Email, text messaging, website forms, and other electronic communications may not always be secure.

Submitting a message through this website does not create an insurance contract, investment advisory relationship, attorney-client relationship, or other professional relationship.

Please do not use email, text messaging, or website forms to communicate urgent requests, time-sensitive transactions, trade instructions, beneficiary changes, policy changes, or other instructions requiring immediate action.

No Guarantee of Results

Setter Financial does not guarantee:

• Insurance approval
• Investment performance
• Annuity returns beyond contractual guarantees
• Estate-planning outcomes
• Probate avoidance
• Tax consequences
• Legal outcomes
• Future interest or crediting rates

Results depend on individual circumstances, product terms, state law, market conditions, insurance-company performance, proper implementation, and other factors outside Setter Financial's control.

Website Accuracy

Setter Financial makes reasonable efforts to keep information on this website accurate and current. However, laws, regulations, insurance products, interest rates, carrier availability, fees, and product features can change.

Information on the website may therefore become outdated.

When there is a difference between information on this website and an official insurance policy, annuity contract, prospectus, disclosure document, legal document, or client agreement, the official document controls.

Geographic Availability

Insurance, securities, investment advisory, and estate-planning services are offered only where the applicable individual, company, carrier, or professional is properly licensed, registered, authorized, or otherwise permitted to provide those services.

Not all products or services are available in every state.

Our Approach

Setter Financial believes people should understand their options before making important financial decisions.

Education first. No pressure. Just options.