Privacy, terms, disclosures, and educational notices.

FKSola Financial respects your privacy and is committed to protecting the personal information you provide when visiting our website.

This Privacy Policy explains how FKSola Financial may collect, use, disclose, and protect information obtained through fksolafinancial.com and related website communications.

This policy is intended to provide transparency regarding our website privacy practices. It is not intended to replace any additional privacy notice that may apply when you become a customer or pursue a financial or insurance product or service.

The FKSola Financial website is primarily an educational and informational resource.

The website provides general information relating to financial protection, life insurance, retirement planning, legacy planning, college and financial planning, and other financial education topics.

The website does not process insurance applications, sell insurance policies, collect insurance premiums, or collect information for insurance underwriting purposes.

If you later choose to pursue a financial or insurance product or service, additional information may be requested through the appropriate process. That information may be subject to additional privacy notices, disclosures, security requirements, and applicable federal and state laws.

Depending on how you interact with the website, we may collect information that you voluntarily provide, such as:

Information you voluntarily provide when requesting information or contacting us

Please do not provide sensitive financial, medical, insurance, identification, or other confidential information through general website forms or email.

When you visit our website, certain information may be collected automatically through cookies, analytics tools, security technologies, and similar technologies.

This information generally helps us operate, secure, analyze, and improve the website.

We will use information in accordance with applicable law.

We may use trusted third-party service providers to support the operation of our website and business.

These providers may process information on our behalf as necessary to provide their services.

FKSola Financial does not sell or rent your personal information for monetary consideration.

However, certain state privacy laws may define activities involving advertising, analytics, or disclosure of information as "sharing," even when no money is exchanged.

Where applicable law provides consumers with the right to opt out of certain forms of sharing, targeted advertising, or similar activities, FKSola Financial will provide the applicable choice mechanism.

Our website may use cookies, pixels, tags, scripts, local storage, and similar technologies.

Necessary for website functionality, security, and basic operations.

Used to remember preferences and improve website functionality.

Used to understand website traffic, usage, performance, and visitor interactions.

Where used, these technologies may help measure advertising effectiveness, provide relevant advertising, or support remarketing.

We may use analytics services to understand how visitors use our website and to improve its performance, content, and functionality.

Analytics providers may collect information about website visits and interactions in accordance with their own privacy policies.

Where required by applicable law, appropriate choices or opt-out mechanisms will be provided.

If advertising or remarketing technologies are used, they may collect information about website interactions to help measure advertising effectiveness or deliver relevant advertising.

Where required by applicable law, visitors will be provided with appropriate choices regarding targeted advertising or similar activities.

Our website may contain links, buttons, widgets, or other features connected to social media platforms.

If you interact with those features, the applicable social media provider may collect information about your interaction.

Those activities are governed by the privacy practices and policies of the applicable third party.

Our website may contain links to websites or services operated by third parties.

FKSola Financial does not control the privacy practices, security, or content of third-party websites.

We encourage visitors to review the privacy policies of third-party websites before providing personal information.

FKSola Financial takes reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, use, disclosure, alteration, or destruction.

However, no website, electronic communication, or data-storage system can be guaranteed to be completely secure.

For this reason, please do not submit sensitive personal information through unsecured website forms or ordinary email.

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

Retention periods may vary depending on the type of information and applicable legal requirements.

If you have questions about this Privacy Policy or our website privacy practices, please contact:

Helping individuals and families make informed financial decisions.

These Website Terms of Use ("Terms") govern your access to and use of the FKSola Financial website at fksolafinancial.com (the "Website"). By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.

The FKSola Financial Website is provided primarily for general educational and informational purposes.

The Website may provide information about financial protection, life insurance, retirement planning, legacy planning, college and financial planning, and related topics.

The Website is intended to help visitors learn about financial concepts and potential solutions and to provide a way to request additional information or contact FKSola Financial.

Information presented on the Website is general educational information and is not intended to constitute financial, investment, legal, tax, accounting, or individualized insurance advice.

Your financial circumstances, objectives, risk tolerance, insurance needs, tax situation, and other factors are unique. You should consider obtaining advice from appropriately qualified professionals before making financial, insurance, tax, legal, or investment decisions.

Nothing on the Website should be interpreted as a recommendation that a particular product, strategy, insurer, policy, or financial decision is appropriate for you.

Information on the Website is not intended to constitute an offer, solicitation, invitation, or commitment to sell or issue any insurance policy, financial product, security, investment, or other financial product or service unless expressly stated and legally permitted.

The Website does not process insurance applications, sell insurance policies, collect premiums, or conduct insurance underwriting through its general website forms.

A request for information or a conversation does not create an insurance contract, financial relationship, fiduciary relationship, or obligation to provide a product or service.

Insurance products and services are subject to state licensing, product availability, underwriting requirements, and other applicable laws and regulations.

FKSola Financial and its representatives may only offer or transact insurance products and services in jurisdictions where they are properly licensed and authorized to do so.

Availability of a product or service may vary by state, insurer, applicant, eligibility requirements, and other factors.

Nothing on the Website should be interpreted as representing that FKSola Financial, a representative, or an insurer is licensed or authorized to conduct insurance business in every state or jurisdiction.

Information regarding specific insurers, products, policy provisions, benefits, premiums, or availability is subject to the applicable insurer's contracts, forms, underwriting requirements, and regulatory approvals.

FKSola Financial makes reasonable efforts to provide useful and accurate educational information. However, financial, insurance, tax, legal, and regulatory information can change over time.

We do not guarantee that every item of information on the Website is complete, current, or applicable to every individual or jurisdiction.

You should verify important information before relying on it to make a financial or insurance decision.

Nothing on the Website guarantees a particular financial result, investment return, insurance approval, policy performance, premium, benefit amount, tax result, retirement outcome, or other result.

Actual results depend on individual circumstances, product terms, insurer requirements, market conditions, applicable laws, and other factors.

The Website may contain links to third-party websites, resources, tools, social media platforms, or services.

Third-party websites are not controlled by FKSola Financial. We are not responsible for the content, accuracy, availability, privacy practices, security, or policies of third-party websites.

A link to a third-party website does not necessarily constitute an endorsement, recommendation, sponsorship, or approval of that website, company, product, or service.

Unless otherwise indicated, the Website and its content-including text, graphics, logos, designs, photographs, videos, educational materials, and other materials-are owned by or used by FKSola Financial with appropriate rights.

You may access and use Website content for your personal, non-commercial use.

You may not reproduce, modify, distribute, publish, sell, license, create derivative works from, or commercially exploit Website content without prior written permission, except where permitted by applicable law.

If you submit a question, inquiry, comment, or other communication through the Website, you are responsible for ensuring that the information you provide is accurate and that you have the right to provide it.

Please do not submit Social Security numbers, financial account information, medical information, insurance policy numbers, passwords, driver's-license information, or other sensitive information through general website forms or ordinary email.

If sensitive information is needed at a later stage, FKSola Financial will provide an appropriate secure method for submitting it.

We attempt to maintain the Website and keep it reasonably available. However, we do not guarantee that the Website will always be available, uninterrupted, error-free, secure, or free of harmful components.

We may modify, suspend, restrict, or discontinue any portion of the Website at any time.

To the maximum extent permitted by applicable law, FKSola Financial will not be responsible for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, the Website or reliance on Website content.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, damages, costs, and expenses arising from your unlawful use of the Website, violation of these Terms, or infringement of another person's rights through your use of the Website.

These Terms will be interpreted and applied in accordance with applicable law.

Any dispute relating to the Website or these Terms will be subject to the jurisdiction of courts that have lawful authority over the dispute and the parties, subject to any rights or requirements that cannot lawfully be waived.

Nothing in this section is intended to limit any mandatory consumer protection or other rights provided by applicable law.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to the extent permitted by law.

The invalid or unenforceable provision will be interpreted or modified to the minimum extent necessary to make it enforceable while preserving its intended purpose, where legally permitted.

These Terms, together with the FKSola Financial National Website Privacy Policy and any other legal notices expressly incorporated into the Website, constitute the applicable terms governing your use of the Website, except where a separate written agreement applies.

If a separate written agreement conflicts with these Terms, the separate agreement will control to the extent of the conflict.

Helping individuals and families make informed financial decisions.

FKSola Financial is committed to providing clear, accurate, and transparent information about its licensing status, insurance-related activities, and the nature of the information presented on this website.

FKSola Financial and/or its applicable insurance professional is currently licensed to conduct insurance business in the State of Ohio, subject to the scope and status of the applicable license.

Insurance licensing requirements vary by state. A person must be properly licensed and authorized in a jurisdiction before engaging in activities that require an insurance license in that jurisdiction.

FKSola Financial does not represent through this website that it or any individual representative is licensed in every state.

Licensing status may change over time. Visitors should contact FKSola Financial or the applicable state insurance department if they need to verify licensing status for a particular jurisdiction.

This website may be accessible to visitors throughout the United States. Website accessibility does not mean that FKSola Financial or a representative is licensed to sell, solicit, or negotiate insurance in every state.

Insurance products and services are offered only where properly licensed and where the applicable product or service is approved and available.

If you are located outside Ohio and wish to discuss an insurance product or service, FKSola Financial will determine whether the appropriate licensing and product availability exist before engaging in any activity requiring authorization.

FKSola Financial may provide educational information about various types of financial and insurance solutions.

Specific insurance products, policy features, benefits, premiums, underwriting requirements, exclusions, limitations, riders, and availability vary by insurer and policy.

Where a specific insurance product is offered, the actual insurance company issuing the policy will be identified in the applicable materials and documentation.

An insurance policy is a contract with the issuing insurance company. FKSola Financial is not the insurer unless expressly identified as such.

Much of the content on this website is intended to provide general financial and insurance education.

Educational content is not a substitute for an individualized review of your financial circumstances, insurance needs, tax situation, legal circumstances, or other personal considerations.

Information presented on this website should not be interpreted as a guarantee that a particular product, strategy, or recommendation is appropriate for you.

FKSola Financial is not affiliated with, sponsored by, endorsed by, or acting on behalf of the federal government, the State of Ohio, any state insurance department, or any other governmental agency unless expressly stated.

No information on this website should be interpreted as implying that FKSola Financial, an insurer, an insurance policy, or a financial product has been approved, endorsed, or recommended by a government agency solely because information about that product or service appears on this website.

Submitting a request for information, speaking with a representative, or completing a preliminary inquiry does not guarantee that you will qualify for insurance or any other financial product.

Insurance approval, coverage, premiums, policy terms, and benefits are subject to the applicable insurer's underwriting requirements, policy forms, eligibility rules, and applicable law.

Certain pages, materials, communications, lead-generation forms, and other content on this website may constitute advertising or marketing under applicable insurance laws and regulations.

FKSola Financial intends for its advertising and marketing communications to be truthful, clear, and not misleading.

Where applicable, required disclosures will be presented in a manner intended to be clear and conspicuous.

Where a visitor submits information for the purpose of requesting contact regarding insurance or financial services, the purpose of the communication will not be intentionally misrepresented.

Visitors should understand that submitting a request for information may result in contact from FKSola Financial or an authorized representative regarding the subject of the request.

If testimonials, endorsements, examples, illustrations, or statements concerning financial or insurance outcomes appear on this website, they should not be interpreted as a guarantee of similar results.

Individual results vary based on personal circumstances, product terms, underwriting, market conditions, policy performance, and other factors.

Any testimonial or endorsement used by FKSola Financial is intended to be presented in accordance with applicable law and applicable advertising requirements.

Use of this website alone does not establish a financial advisory, fiduciary, insurance, legal, tax, or other professional relationship between you and FKSola Financial.

A professional relationship, if established, will be governed by the applicable agreements, disclosures, licenses, product documentation, and laws or regulations governing the specific service or transaction.

For any insurance product or financial service that you ultimately consider, the applicable policy, contract, prospectus, illustration, disclosure, application, and other official documents control over general educational information presented on this website.

Visitors should carefully review all applicable documents before purchasing or entering into a financial or insurance product or service.

Insurance laws and regulations vary by state. Additional disclosures, notices, licensing requirements, product restrictions, advertising requirements, or consumer protections may apply depending on your location and the product or service involved.

Nothing in this disclosure is intended to waive or limit rights or protections that cannot lawfully be waived.

If you have questions regarding FKSola Financial's licensing status, the availability of a product or service in your state, or the information presented on this website, please contact us.

Helping individuals and families make informed financial decisions.

The information provided on the FKSola Financial website is intended primarily for general educational and informational purposes. We believe financial education can help individuals and families ask better questions and make more informed decisions; however, educational information is not a substitute for individualized professional advice.

Website articles, videos, guides, examples, illustrations, calculators, comparisons, and other educational materials are provided for general informational purposes.

The information may address topics including life insurance, financial protection, retirement planning, legacy planning, college planning, income protection, estate and probate considerations, annuities, and other financial topics.

Educational content may not reflect every available product, strategy, insurer, law, regulation, or individual circumstance.

Nothing on this website should be interpreted as individualized financial, investment, insurance, legal, tax, accounting, or other professional advice.

A strategy or product that may be appropriate for one person may not be appropriate for another.

Before making a financial or insurance decision, consider your individual circumstances and, when appropriate, consult qualified financial, tax, legal, or other professional advisers.

Insurance information on this website is general and educational.

Actual policy benefits, premiums, eligibility, exclusions, limitations, riders, guarantees, cash values, surrender charges, underwriting requirements, and other policy provisions depend on the specific insurance company and policy contract.

The applicable insurance policy or contract controls. Website content does not amend, replace, or override an insurance contract.

Examples, scenarios, charts, illustrations, comparisons, and hypothetical situations are provided solely to help explain financial concepts.

They are not predictions of actual results and should not be interpreted as guarantees.

Individual outcomes can vary significantly based on age, health, underwriting, contributions, expenses, product terms, market conditions, interest or crediting rates, policy performance, taxes, laws, and other factors.

Any discussion of investments, market performance, rates of return, indexes, interest rates, or market conditions is provided for general educational purposes.

Past performance does not guarantee future results.

Market-related information can change and may become outdated. FKSola Financial does not guarantee any particular investment return or financial outcome through information presented on this website.

Tax information is provided for general educational purposes only and is not intended to be tax advice.

Tax laws and their application can vary based on individual circumstances and may change over time.

Consult a qualified tax professional regarding your specific situation before making decisions based on tax-related information presented on this website.

Information concerning estate planning, probate, trusts, wills, beneficiaries, ownership, or other legal matters is general educational information and is not legal advice.

FKSola Financial does not provide legal services through this website.

Consult a qualified attorney regarding your individual legal and estate-planning needs.

Information concerning retirement income, college planning, education funding, or related strategies is general educational information.

There is no guarantee that a particular strategy will meet your retirement or education funding goals.

Eligibility rules, tax treatment, financial aid considerations, product terms, and other factors may affect the suitability and results of a particular approach.

Some insurance products discussed on this website may include living benefits or benefits related to qualifying health conditions.

Descriptions of such benefits are general and educational. Eligibility, qualifying conditions, definitions, waiting periods, exclusions, benefit amounts, and other requirements are determined by the applicable policy or contract.

Website information should not be interpreted as medical advice or as a representation that a particular condition will qualify for a benefit.

FKSola Financial makes reasonable efforts to provide accurate and useful educational information. However, financial, insurance, tax, legal, regulatory, and market information can change.

We do not guarantee that all website content is complete, current, error-free, or applicable to every person or jurisdiction.

Where important decisions are involved, verify current information with the applicable insurer, government agency, qualified professional, or official documentation.

Results depend on individual circumstances, product terms, underwriting, market conditions, applicable laws, and other factors.

Products, services, insurers, features, and strategies discussed on this website may not be available in every state or to every individual.

Insurance activities are subject to applicable licensing requirements, product approvals, underwriting, and state and federal laws.

Please refer to the FKSola Financial Licensing & Disclosures page for additional information about licensing and state availability.

Reading educational content, submitting a general inquiry, or contacting FKSola Financial through this website does not by itself create a financial advisory, fiduciary, insurance, legal, tax, or other professional relationship.

Any professional relationship or transaction will be governed by applicable agreements, disclosures, licenses, policy or contract documents, and applicable law.

If you have questions about the educational information presented on this website, contact:

Helping individuals and families make informed financial decisions.