The Fine Print,
Written With Intention.

About Arnion Financial

Arnion Financial Inc. is a financial-services organization providing financial education, retirement-planning services, insurance-related services, retirement-income planning, wealth-planning coordination, and related services.

Certain financial products or services described on this website may be provided through appropriately licensed insurance professionals, registered investment adviser representatives, registered investment advisory firms, custodians, insurance companies, attorneys, estate-planning professionals, or other independent third parties. Arnion Financial Inc. itself is not the registered investment adviser through which investment advisory services are provided unless specifically disclosed otherwise. Investment advisory services, when applicable, are provided through a separately registered investment advisory firm and appropriately registered professionals.

Website for Educational and Informational Purposes

The information available on this website is provided primarily for:

• General educational purposes
• General informational purposes
• Financial education
• Retirement-planning education
• Wealth-planning education
• Insurance education
• Estate and legacy planning education

Website content is not intended to constitute individualized financial, investment, securities, insurance, tax, accounting, or legal advice. No website article, video, calculator, illustration, example, webinar, masterclass, downloadable guide, or other content should be interpreted as a recommendation that a particular strategy, investment, insurance product, security, tax strategy, or legal structure is appropriate for you.

Individual circumstances vary. You should consult appropriately qualified professionals regarding your specific situation before making financial, investment, tax, insurance, or legal decisions.

No Client Relationship Created by Website Use

Your use of this website does not, by itself, create:

• A financial advisory relationship
• An investment advisory relationship
• An insurance-client relationship
• A fiduciary relationship
• An attorney-client relationship
• A tax-advisory relationship
• Any other professional-client relationship

Submitting a website form, requesting information, downloading educational materials, attending a webinar, receiving an email, sending a text message, or scheduling a Financial Clarity Session does not automatically establish a formal advisory or client relationship. A professional relationship is established only when the appropriate agreements, disclosures, applications, or other required documentation have been completed and accepted.

Financial Clarity Sessions

Arnion Financial may offer visitors the opportunity to schedule a Financial Clarity Session, intended to provide an opportunity to:

• Discuss financial goals
• Identify financial concerns
• Discuss retirement objectives
• Review general planning priorities
• Determine whether Arnion Financial or an affiliated or third-party professional may be able to assist

A Financial Clarity Session is not, by itself, a guarantee that Arnion Financial will recommend or provide any particular financial product or service. No specific financial outcome is guaranteed.

No Investment Recommendation Through Website Content

General website content should not be relied upon as an individualized recommendation to buy, sell, hold, exchange, transfer, liquidate, or rollover any security, investment, retirement account, insurance product, or other financial asset. Investment recommendations, where provided, should be based upon an individual's financial circumstances, objectives, risk tolerance, time horizon, tax considerations, liquidity needs, and other relevant information.

Investment Risk

Investing involves risk. The value of investments may increase or decrease, and investors may lose some or all of their invested principal. Past performance does not guarantee future results.

Insurance Products

Insurance and annuity products may contain:

• Fees
• Expenses
• Surrender charges
• Limitations
• Exclusions
• Waiting periods
• Liquidity restrictions
• Policy charges
• Underwriting requirements

Guarantees associated with insurance products are subject to the financial strength and claims-paying ability of the issuing insurance company. Insurance products are not appropriate for every individual. Product availability, features, rates, bonuses, crediting methods, riders, and guarantees may vary by insurance company, state, age, product, and other factors.

Tax Information

Arnion Financial may provide general education regarding topics such as tax-aware retirement planning, Roth conversions, required minimum distributions, retirement-account taxation, Social Security taxation, Medicare-related income considerations, and estate and legacy planning concepts.

Unless specifically disclosed otherwise, Arnion Financial does not provide tax advice or prepare tax returns. Tax laws and individual tax circumstances can be complex. You should consult a qualified tax professional regarding your individual circumstances before implementing a tax-related strategy.

Legal and Estate Planning Information

Arnion Financial may provide general education regarding estate and legacy planning. Arnion Financial Inc. is not a law firm and does not provide legal advice. Arnion Financial may refer or introduce clients to independent third-party estate-planning professionals, and any legal documents, legal opinions, estate-planning recommendations, or legal services are provided by the applicable independent legal or estate-planning professional.

You should consult a qualified attorney regarding your individual estate-planning needs.

Social Security, Medicare, Government Benefits and Federal Employees

Arnion Financial may provide educational information regarding Social Security, Medicare, federal employee benefits, FERS, CSRS, Thrift Savings Plan concepts, government pensions, and other public employee benefits.

Arnion Financial is an independent financial-services organization. Unless expressly disclosed otherwise, Arnion Financial is not affiliated with, endorsed by, or sponsored by the United States government, the Social Security Administration, Medicare, the Centers for Medicare & Medicaid Services, the Office of Personnel Management, the Federal Retirement Thrift Investment Board, the Department of Veterans Affairs, or any other federal, state, or local government agency.

Government rules, benefit formulas, laws, and regulations may change. Visitors should verify government benefit information through applicable official government sources.

Nationwide Services and Licensing

Arnion Financial serves individuals throughout the United States. However, not every professional, product, service, security, insurance product, or advisory service is necessarily available in every jurisdiction. Products and services are offered only where the applicable individual or entity is appropriately licensed, registered, appointed, authorized, or otherwise permitted to conduct business. Nothing on this website constitutes an offer or solicitation in a jurisdiction where such an offer or solicitation would be unlawful.

No Guarantee of Results

Arnion Financial does not guarantee:

• Investment performance
• Retirement income outcomes
• Tax savings
• Estate-planning outcomes
• Insurance approval
• Insurance benefits
• Portfolio performance
• Asset growth
• Investment returns
• Business results
• Financial independence
• Retirement success
• Any particular financial outcome

Financial outcomes depend on numerous factors, many of which are outside Arnion Financial's control.

Hypothetical Examples and Illustrations

The website may contain examples, case studies, hypothetical scenarios, charts, projections, calculators, or illustrations. Unless expressly identified as an actual client experience, these materials should be understood as educational examples. Hypothetical examples may rely upon assumptions that do not occur in actual circumstances, and actual results may differ materially.

Testimonials and Client Experiences

If testimonials, reviews, endorsements, or client experiences appear on the website, they reflect the experiences or opinions of the individuals providing them. Individual experiences may vary. A testimonial should not be interpreted as a guarantee of future performance, a guarantee of financial results, or a representation that every client will experience the same outcome. Additional disclosures may accompany particular testimonials where required.

Manifest · Build · Defend™

Manifest · Build · Defend™ is Arnion Financial's proprietary financial-planning methodology and educational framework, intended to help individuals organize financial decisions around three broad planning stages:

The framework itself does not constitute an investment product, insurance product, security, legal strategy, or guarantee of financial results.

Educational Materials

Arnion Financial may make available guides, videos, articles, presentations, masterclasses, webinars, calculators, worksheets, checklists, and financial education materials. These materials are intended for personal educational use. They may not be reproduced, distributed, sold, republished, modified, or commercially exploited without written permission from Arnion Financial unless otherwise expressly permitted.

Intellectual Property

Unless otherwise stated, website content is owned by or licensed to Arnion Financial Inc., including text, graphics, logos, branding, images, videos, website designs, presentations, educational materials, frameworks, downloads, written content, and proprietary methodologies.

The names, branding, designs, and associated intellectual property of Arnion Financial may not be used without authorization. Manifest · Build · Defend™ and associated Arnion Financial branding may constitute proprietary trademarks, service marks, trade dress, or other intellectual property rights of Arnion Financial. Nothing contained on the website grants visitors a license or right to use Arnion Financial intellectual property except as expressly permitted.

Permitted Website Use

You may use the website for lawful personal and informational purposes. You agree not to:

• Attempt unauthorized access to the website
• Attempt to interfere with website security
• Introduce malware or malicious code
• Scrape or harvest personal information
• Use automated systems to disrupt website operation
• Copy or commercially exploit protected content without permission
• Impersonate another person
• Submit false or misleading information
• Use the website for unlawful purposes
• Attempt to circumvent security controls
• Interfere with another visitor's use of the website

Arnion Financial may restrict or terminate access if it reasonably believes these Terms have been violated.

Accuracy of Information You Provide

When you submit information through the website, you agree to provide information that is accurate to the best of your knowledge. You are responsible for keeping contact information reasonably current when interacting with Arnion Financial. Do not submit information belonging to another person unless you are legally authorized to do so.

Sensitive Information

Do not submit highly sensitive information through general website forms, ordinary email, or text messaging unless Arnion Financial specifically instructs you to use an approved secure system. Examples include:

• Social Security numbers
• Financial account passwords
• Bank account credentials
• Credit or debit card information
• Complete account numbers
• Government identification documents
• Sensitive medical information
• Other highly confidential financial information

Privacy

Your use of the website is also subject to the Arnion Financial Privacy Policy, which explains how Arnion Financial collects, uses, discloses, and protects personal information.

SMS Communications

If you elect to receive SMS/text communications from Arnion Financial, those communications are governed by our SMS Terms & Conditions. Message frequency varies, and message and data rates may apply. Reply STOP to opt out and HELP for assistance. Consent to receive marketing text messages is not a condition of purchasing products or services.

Email Communications

By voluntarily providing your email address and selecting applicable communication preferences, you may receive appointment communications, educational materials, newsletters, webinar invitations, masterclass invitations, company communications, and marketing communications. You may unsubscribe from marketing email communications through the unsubscribe mechanism provided in the message.

Third-Party Websites

The Arnion Financial website may contain links to third-party websites, services, or platforms, including scheduling providers, video providers, financial institutions, insurance companies, investment advisory firms, custodians, estate-planning professionals, government websites, social-media platforms, and educational resources.

Arnion Financial does not control all third-party websites. The inclusion of a link does not necessarily constitute an endorsement of all content, products, services, statements, or practices of that third party. Your use of third-party websites is governed by their own terms and privacy practices.

Third-Party Technology

Arnion Financial may use third-party technology to operate portions of its website and communications infrastructure, including platforms associated with GoHighLevel, LeadConnector, Google, Meta, Calendly, and YouTube. Availability of these services may depend upon third-party systems beyond Arnion Financial's control.

Website Availability

Arnion Financial seeks to maintain a functional and accessible website but does not guarantee uninterrupted availability. The website may occasionally be unavailable due to maintenance, updates, technology failures, hosting interruptions, cybersecurity events, third-party service interruptions, internet outages, or circumstances beyond our control. We may modify, suspend, discontinue, or replace website functionality at any time.

Website Content May Change

Financial laws, tax laws, regulations, government benefits, financial products, interest rates, insurance products, investment markets, and planning strategies may change over time. Arnion Financial may update website content but does not guarantee that every page will always reflect the most recent development. You should not rely upon older website material without confirming whether the information remains applicable.

No Warranties

To the fullest extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis. Arnion Financial makes no guarantee that website content is error-free, that website access will be uninterrupted, that every piece of information is complete, that website content will always be current, that the website will be free from every technical defect, or that a particular financial outcome will result from using the website. Nothing in these Terms excludes rights or warranties that cannot legally be excluded.

Limitation of Liability

To the fullest extent permitted by applicable law, Arnion Financial Inc. and its officers, directors, employees, contractors, representatives, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising solely from the use of or inability to use this website. This limitation does not apply to liability that cannot legally be limited or excluded. Nothing in these Terms is intended to waive rights provided to consumers under applicable law.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Arnion Financial Inc. and its officers, directors, employees, contractors, representatives, and service providers from claims, liabilities, damages, or expenses arising from your unlawful misuse of the website or material violation of these Terms. This provision does not require a consumer to indemnify Arnion Financial for Arnion Financial's own unlawful conduct.

Security

Arnion Financial uses reasonable safeguards designed to protect its website and information systems. However, no internet-based system can be guaranteed to be completely secure. Visitors should use reasonable precautions when communicating online. You agree not to attempt to compromise, probe, test, disable, or circumvent website security controls without authorization.

Children and Minors

This website is intended for individuals 18 years of age or older. Arnion Financial does not knowingly offer its website services to minors. If you are under 18, do not submit personal information through this website.

Accessibility

Arnion Financial seeks to provide a website experience accessible to a broad range of visitors. Information concerning accessibility and requests for assistance may be found in our Accessibility Statement. A dedicated Accessibility Statement will be linked from the website footer.

Copyright Complaints

If you believe copyrighted material appearing on the Arnion Financial website infringes your rights, please contact us and provide sufficient information to identify the copyrighted material, the allegedly infringing content, your contact information, and the basis for your claim.

Governing Law

To the extent permitted by applicable law, these Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Nothing in this provision eliminates any consumer protection right that cannot legally be waived under the laws applicable to you.

Venue

To the extent permitted by law and unless otherwise required by applicable consumer protection law, disputes relating solely to use of this website may be brought in an appropriate court located in Los Angeles County, California. This section does not override a jurisdiction, venue, or consumer right that applicable law makes non-waivable.

Changes to These Terms

Arnion Financial may modify these Terms periodically. When we make changes, we will update the Last Updated date at the top of this page. Material changes may be communicated through additional website notice where appropriate. Your continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by law.

Severability

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

No Waiver

Arnion Financial's failure to enforce a provision of these Terms does not constitute a permanent waiver of that provision or any other right.

Entire Website Agreement

These Terms, together with the Privacy Policy, SMS Terms & Conditions, and any other policies expressly incorporated by reference, constitute the general terms governing use of the Arnion Financial website. Separate client, advisory, insurance, financial-services, or professional agreements may contain additional terms that govern specific services. If a separately executed agreement conflicts with these website Terms concerning a professional service, the applicable executed agreement will generally govern that professional relationship.

Contact Us

Questions regarding these Terms may be directed to Arnion Financial Inc. Please use "Website Terms" in the email subject line.