Our fiduciary commitment
Get it in writing: the Fiduciary Pledge.
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests first on every single recommendation. Each one must also be willing to give you a written Fiduciary Pledge: a signed legal statement confirming that obligation to you.
One page · no email required to download · signature lines included
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Expert commits to
Much retirement advice is held only to a suitability standard: a recommendation has to be appropriate, not necessarily the best available to you. The pledge raises that bar and puts it on paper.
- Act as a fiduciary at all times — your interests ahead of theirs and their firm's.
- Base every recommendation on your goals and circumstances, not on their compensation.
- Disclose in writing how they are paid, including commissions and third-party compensation.
- Disclose any conflict of interest before you act on the advice.
- Explain costs, risks, surrender and liquidity terms, and the realistic alternatives — including doing nothing.
- Keep your information confidential unless you authorize otherwise.
- Tell you plainly when your current plan and current advisors already serve you well.
- Honor the pledge for as long as they advise you, and re-send a signed copy on request.
Your Expert can sign the pledge and send it back electronically before your Zoom or phone call — nothing needs to be mailed or signed in person.
Three steps
Download the pledge
One page, plain English, with signature lines for your Expert and for you. No email required to read it.
Book your free 15-minute call
Tell us where to send the confirmation and pick a time. Your Expert is briefed before the call starts.
Ask them to sign it
Say: "Please sign the Fiduciary Pledge." Your Expert signs it before any recommendation is made — no exceptions.
Request the signed pledge on your call
Reserve a free 15-minute Tele-Wealth call. Tell us to send the pledge ahead of time and your Expert arrives with it signed and ready to review — no pitch, no obligation.
Related reading
Know what to ask before you decide.
The pledge sets the standard. These guides help you judge the advice you receive against it.
How guaranteed lifetime income actually works
The PILL framework, what income you can count on, and why fees matter less than most people assume.
Read the guide 401(k) RolloversYour four options for an old 401(k)
Leave it, roll it, cash it out, or move it to a new plan — side by side, with the tax consequences of each.
Read the guide Annuity TypesFixed, fixed indexed, and variable — the differences
Which product solves which problem, and where a fixed indexed annuity behaves like an enhanced CD.
Read the guide Social SecurityClaiming strategy and the 8% delayed credit
Filing ages, spousal and survivor rules, and how the claiming decision reshapes the whole income plan.
Read the guide Life InsuranceLiving benefits and tax-free retirement income
How cash value policies are used for protection, liquidity, and tax diversification.
Read the guide Tax-Free IncomeSupplemental tax-free income from an IUL
How cash value policies build a third tax bucket you can draw from without raising your taxable income.
Read the guideOur fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge