Disclosures

Licensing

Dave Montgomery is a licensed Life, Health, and Annuity Agent. New York Insurance State License # LA-1168277. Services are offered only in states where Dave is properly licensed.

Not Investment, Tax, or Legal Advice

The information presented on this website is for general educational purposes only and does not constitute investment, tax, legal, or accounting advice. Please consult qualified professionals before making any financial decision based on your specific circumstances.

This is not tax or legal advice. Please seek a competent attorney or tax professional before acting on any information provided.

Insurance Products

Life insurance, health insurance, and annuity products are issued by third-party insurance carriers. Product availability, features, guarantees, and benefits vary by carrier and by state. All guarantees are subject to the claims-paying ability of the issuing insurance company.

Annuities

Annuities are long-term, tax-deferred insurance contracts designed for retirement. Withdrawals prior to age 59½ may be subject to a 10% federal tax penalty and ordinary income tax. Surrender charges and other fees may apply during the early years of the contract.

No Guarantee of Results

No representation is made that any strategy, plan, or recommendation will achieve any particular financial result. Past performance is not indicative of future results. Insurance and financial planning strategies involve risks, including the possible loss of principal.

Privacy

Information you submit through this site's contact form is used solely to respond to your inquiry. We do not sell or share your personal information with third parties for marketing purposes.

Contact

Questions about these disclosures? Reach out by phone at 516-972-0134 or email Davemma@mac.com.