Disclosures
Disclosures
Who I am and how I’m licensed
New Leaf Financial Planning is the practice of Jay Marshall, a CERTIFIED FINANCIAL PLANNER™ professional. I am a licensed insurance agent in Indiana (license 3843662), North Carolina (20497110), Ohio (1499150) and West Virginia (20497110).
How I’m paid
Financial planning is billed at $250 per hour. I give you an estimate before we begin. If you buy an annuity or insurance policy through me, the insurance company pays me a commission. When that happens I often waive my hourly planning charges.
Insurance and annuities
- Annuity and insurance guarantees depend on the financial strength and claims-paying ability of the issuing insurance company.
- Insurance and annuity products are not bank deposits, are not FDIC insured and are not guaranteed by any bank or government agency.
- Annuities can carry surrender charges, fees and limits. Withdrawals may be subject to income tax and, before age 59½, a federal tax penalty.
- I am appointed with more than one insurance company and am not limited to one company’s products. I work with several companies and choose the products that best suit each client’s needs.
Compliance statement
This presentation was created for informational and educational purposes only. It is not intended to provide specific tax or legal advice. All tax and legal advice and documents should be provided by a tax adviser and an attorney.
General information only
Everything on this website is for general information. I rely on sources I believe are reliable, but I can’t promise they are accurate or complete, and nothing here is a full analysis of any subject. Nothing on this site is an offer to sell, or a request to buy, any product or service. I offer insurance products only in the states where I am licensed (Indiana, North Carolina, Ohio and West Virginia), and insurance products are subject to state insurance laws and regulations. Anyone who sells, solicits or negotiates insurance must hold an insurance agent license.
The articles, FAQs, Money Story quiz, retirement checklist, virtual assistant and everything else on this site are general education. They are not financial, investment, tax or legal advice for your situation. Rules of thumb quoted on this site are general guidelines, not recommendations. Past performance does not guarantee future results, and every investment carries risk, including loss of principal.
Jay Marshall does not give tax, legal, or accounting advice. The client should consult with a professional specializing in these areas regarding the applicability of this information to his/her situation. I’m happy to work alongside your tax professional or attorney.
Check my background
You can look up my CFP® certification at CFP Board and my insurance license through your state’s department of insurance.
CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards, Inc.