Legal Terms & Professional Disclaimers

Submission of an intake form, strategy request, email, or digital inquiry through www.gracewell.us does not constitute a binder of insurance, nor does it place any temporary or permanent insurance coverage into effect. No insurance policy, coverage amendment, addition, or deletion shall become effective until explicitly confirmed in writing or verbally by a licensed agent of Gracewell Financial Group and fully approved by the underwriting insurance carrier.

Gracewell Financial Group is a licensed independent insurance agency. Insurance products, fixed annuities, and related financial structures are only available to residents of states where Gracewell Financial Group or its individual designated producers maintain active resident or non-resident insurance licenses. No solicitation is being made in any jurisdiction where the firm is not properly credentialed.

Any references to "guaranteed retirement income," "principal preservation," or "income floors" regarding annuity solutions are subject to the terms, exclusions, and limitations of the individual contract. All guarantees are backed exclusively by the financial strength and claims-paying ability of the underlying, third-party issuing insurance carrier (such as Allianz, Prudential, Lincoln Financial, Pacific Life, MassMutual, etc.). Gracewell Financial Group provides no independent structural guarantees.

Information relating to private alternative investments, private equity, or private credit is directed solely toward individuals who meet the definition of an "Accredited Investor" under SEC Rule 501 of Regulation D. Private placements are speculative, illiquid, and carry a high degree of risk, including the potential loss of principal. Gracewell Financial Group does not provide direct legal, tax, or accounting advice. Prospective investors must evaluate all offerings alongside their independent CPA or legal counsel.