Disclosures

General Disclosure

Perkins Wealth Group LLC is a financial education and coaching company dedicated to helping individuals and families improve their financial literacy, eliminate debt, build wealth, and protect their financial future. The information provided on this website, in our digital products, and through our coaching services is intended strictly for educational and informational purposes.

Nothing contained herein constitutes financial, investment, tax, legal, or accounting advice, nor should it be interpreted as a solicitation or offer to buy or sell any financial product or security. Individual financial situations vary significantly. You should always consult with a qualified, licensed professional — including a licensed financial advisor, CPA, or attorney — before making any financial decisions.

Licensing Disclosure

Lloyd Perkins and associated agents of Perkins Wealth Group LLC may be licensed life insurance agents in one or more states. Licensure status, specific products available, and applicable regulations vary by state. Not all products or services described on this website may be available in all states.

Insurance products — including term life insurance, whole life insurance, Indexed Universal Life (IUL) policies, and annuities — are offered through licensed insurance carriers. All products are subject to the terms, conditions, exclusions, and limitations of the issuing carrier's policy contracts. Consumers are encouraged to carefully review all policy documents before purchasing any insurance product.

No Guarantee of Results

Any testimonials, client success stories, case studies, or financial outcomes referenced on this website represent individual experiences and are not typical or guaranteed. Results are not representative of all clients and will vary significantly based on individual circumstances, starting financial position, discipline, effort, market conditions, and other variables beyond our control.

Past performance is not indicative of future results. Financial strategies — including debt elimination plans, IUL growth projections, and annuity income estimates — are illustrative and are subject to change based on economic conditions, policy terms, and personal financial behavior. We make no representation that any client will achieve results similar to those described or implied on this site.

Insurance Product Disclosure

Life insurance and annuity products are not bank products, are not FDIC insured, are not guaranteed by any bank or financial institution, and may involve risk, including the possible loss of principal in certain product types. These products are backed solely by the claims-paying ability of the issuing insurance company.

Indexed Universal Life (IUL) insurance products are insurance contracts, not securities, and do not directly invest in the stock market or any equity index. Interest crediting is based on the performance of a market index subject to caps, floors, and participation rates as defined in the policy contract. Policy loans and withdrawals may reduce the death benefit and cash value and may have tax implications. Surrender charges may apply during the surrender charge period. Always review the complete policy illustration and contract before purchasing.

Affiliate & Compensation Disclosure

Perkins Wealth Group LLC and its licensed agents may receive compensation in the form of commissions, bonuses, overrides, or other remuneration from insurance carriers for the placement of insurance products, including life insurance, IUL policies, and annuities. We may also receive referral fees or compensation from partner companies and service providers.

This compensation structure does not influence the objectivity or integrity of our educational content, coaching guidance, or product recommendations. Our goal is always to recommend solutions that best serve your financial interests. You are under no obligation to purchase any product or service as a result of engaging with our educational content or scheduling a consultation.

Business Opportunity Disclosure

Information about joining our team as a licensed financial professional is provided for informational and recruiting purposes only. Any income figures, earnings claims, or lifestyle representations made in connection with this opportunity are not guarantees of income and represent individual results that are not typical.

Income potential as a licensed financial agent varies widely based on individual effort, sales performance, licensing status, client base, geographic market, and other factors entirely within your control. There is no guaranteed income associated with becoming a licensed agent or joining our team. Candidates must obtain and maintain required state insurance licenses and comply with all applicable laws and regulations governing the sale of insurance products.

Contact Us

If you have questions about these disclosures, please contact us at:

Perkins Wealth Group LLC
Email: lloyd.perkins@perkinswealthgroup.com