Legal Disclosure Statement

Evergreen Wealth & Co. (“Evergreen”) is an independently owned insurance practice. Evergreen provides insurance-related information and services for educational and general informational purposes only. Evergreen is not a registered investment adviser, broker-dealer, securities firm, bank, or financial institution, and does not offer or provide securities, investment advisory services, investment management, asset allocation, portfolio management, or financial planning services.

Affiliation & Licensing

Evergreen operates under the insurance licensing, supervision, and compliance oversight of Aspen Creek Wealth Strategies (“Aspen Creek”), an insurance brokerage through which Evergreen and its representatives are contracted. All insurance recommendations, client interactions, and product placements are conducted under Aspen Creek’s compliance guidelines and carrier appointments.

Any mention of “wealth,” “wealth strategies,” “retirement planning,” “financial strategies,” “wealth-building,” or similar terminology on this website refers exclusively to insurance-based solutions, unless explicitly stated otherwise. These references do not imply that Evergreen provides securities-related services or investment advisory activities.

Insurance services are offered only in states where Evergreen and its representatives are duly licensed. Product availability, carrier options, and policy features may vary by state and by insurance provider.

Nature of Services Provided

All information presented on this website, including but not limited to educational materials, articles, strategy descriptions, illustrations, calculators, and examples, is intended for general informational and educational purposes. Nothing on this site constitutes:

  • individualized insurance advice,

  • financial planning services,

  • investment or securities recommendations,

  • legal advice,

  • tax advice, or

  • an offer or solicitation to buy or sell any financial product not categorized as an insurance product.

Insurance recommendations are made only after completing appropriate suitability assessments and are specific to each client’s personal circumstances and objectives.

Compensation & Commissions

Evergreen and its representatives may receive compensation in the form of commissions, renewals, or other compensation from insurance carriers when an insurance policy is placed. Compensation varies by product, carrier, and state regulations.

No additional fees are charged to clients beyond the premiums paid to the insurance company, unless otherwise disclosed in writing. Clients may request information regarding compensation structures at any time during the consultation or application process.

Third-Party Relationships & Non-Endorsement

Evergreen Wealth & Co. is not affiliated with, endorsed by, or acting on behalf of:

  • any government agency,

  • any securities broker-dealer or advisory firm,

  • any bank or credit union, or

  • the Social Security Administration, Medicare, or any federal program.

References to external resources, tools, or third-party websites are provided solely for convenience. Evergreen does not control, guarantee, or assume responsibility for the content, accuracy, or policies of any third-party site.

No Guarantee of Results

All insurance illustrations, projected values, hypothetical scenarios, and examples provided are for educational purposes only. They do not represent guaranteed outcomes. Actual policy performance may vary based on:

  • carrier underwriting,

  • market conditions (where applicable for certain policy types),

  • contract terms,

  • premium payment habits,

  • interest crediting rates,

  • rider selections, and

  • other factors determined by the issuing carrier.

Insurance products are subject to the terms, conditions, and limitations of the issuing insurance company.

Privacy & Data Protection

Evergreen collects and maintains client information in accordance with industry standards and in compliance with applicable state and federal privacy laws. Personal information is never sold or shared except as required for insurance application processing, underwriting, regulatory compliance, or as otherwise disclosed in Evergreen’s Privacy Policy.

State-Specific Disclosures

State laws and insurance regulations vary. Evergreen provides products only in jurisdictions where properly licensed. Clients are responsible for understanding any state-specific insurance requirements applicable to them. Additional disclosures may be required depending on client location and carrier selection.

Limitation of Liability

Evergreen Wealth & Co., including its owners, agents, and representatives, is not liable for:

  • financial losses resulting from misuse of information on this website,

  • decisions made without professional consultation,

  • reliance on generalized educational material,

  • errors or omissions in posted content, or

  • actions taken based on misunderstanding of insurance products.

Clients should consult licensed insurance professionals as well as separate legal and tax professionals before making decisions involving insurance strategies that may impact estate planning, taxation, or financial planning outcomes.

Acknowledgment

By using this website, you acknowledge and agree that:

  • Evergreen Wealth & Co. provides insurance-based services only,

  • financial and wealth terminology refers strictly to insurance strategies,

  • no investment advisory or securities-related services are offered, and

  • all services are conducted under the compliance standards of Aspen Creek Wealth Strategies.

If you have questions regarding the nature of services provided or require additional disclosures, please contact Evergreen directly.

Communication Disclosure

By submitting your information through this website, you authorize Evergreen Wealth & Co. and its designated, licensed insurance agents to contact you by phone, email, text message (SMS), or other electronic means regarding insurance products and services.

You acknowledge and expressly consent to:

  1. Receiving calls and text messages from Evergreen Wealth & Co. and its representatives at the phone number you provide, including calls and texts made using automated dialing systems or prerecorded messages, as permitted by law.

  2. Message and data rates may apply according to your mobile carrier plan.

  3. You may opt out of text messages at any time by replying “STOP”.

  4. You may opt out of email communications by using the unsubscribe link provided in emails.

  5. Providing your information does not obligate you to purchase insurance and does not constitute an application for coverage.

  6. Communications may be conducted by or through licensed insurance agents contracted with Evergreen Wealth & Co. under the compliance supervision of Aspen Creek Wealth Strategies.

  7. Consent to contact is not a condition of purchase.

  8. Your information will be handled in accordance with our Privacy Policy and will not be sold or shared except as required to process insurance-related requests, applications, or compliance obligations.

By using this website or submitting your information, you acknowledge that you have read, understood, and agree to this Communication & Consent Disclosure.