Disclaimer
Last updated: [TO CONFIRM: effective date]
Your use of this website is your acknowledgment that you have read, understood, and agree to the terms and disclaimers set out below. If you do not agree, please discontinue use of this site.
General Information Only
The content on this website is published by Lubbers & Associates, LLC for general educational and informational purposes only. It is not, and should not be construed as, an offer to sell, a solicitation of an offer to buy, or a recommendation or endorsement of any particular security, insurance product, investment strategy, or service.
Nothing on this site constitutes personalized financial, insurance, investment, tax, or legal advice. No visitor, client, or prospective client should assume that any content on this website serves as the receipt of, or a substitute for, personalized advice from Lubbers & Associates, LLC or a qualified professional. You are solely responsible for determining whether any product, strategy, or service is appropriate for you based on your own objectives and personal and financial circumstances.
Investment Advisory Services
Investment advisory services are offered through Ellija Capital Management, LLC ("ECM"), an investment adviser registered with the State of Michigan and the State of Illinois, and affiliated with Lubbers & Associates, LLC. Registration as an investment adviser does not imply any certain level of skill or training, and does not constitute an endorsement by any regulatory authority.
Lubbers & Associates, LLC and Ellija Capital Management, LLC may only transact business in states where they are appropriately registered, notice filed, or exempt from registration. Nothing on this website is a solicitation for advisory services in any jurisdiction where such an offer would be unlawful.
ECM's Form ADV Part 2 is available on request by contacting our office at (616) 531-7300. Consider the investment objectives, risks, charges, and expenses of any investment carefully before investing.
Insurance Products and Licensing
Insurance and annuity products are offered through Lubbers & Associates, LLC and its licensed insurance producers. [TO CONFIRM: Michigan insurance agency license number and/or producer NPN — e.g. "Lubbers & Associates, LLC, Michigan Insurance Agency License #XXXXXX; NPN #XXXXXXX."]
We are licensed to discuss and offer insurance products only in states where our firm and the individual producer hold an active license. Product availability, features, riders, and rates vary by state, by carrier, and by an applicant's age and health, and are subject to change. Any coverage described on this site is governed solely by the terms, conditions, limitations, and exclusions of the issued policy or contract.
Lubbers & Associates, LLC is independent and is not captive to any single carrier. We may receive commissions or other compensation from insurance carriers in connection with the sale of insurance and annuity products. This compensation is disclosed on request.
Medicare
We are not connected with or endorsed by the United States government or the federal Medicare program. Lubbers & Associates, LLC is not a government agency, and this website is not affiliated with Medicare, CMS, the Social Security Administration, or any other government entity.
We do not offer every plan available in your area. [TO CONFIRM: number of organizations and plans represented — e.g. "Currently we represent XX organizations, which offer XX products in your area."] Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Medicare Supplement (Medigap) policies are not connected with or endorsed by the U.S. government or the federal Medicare program. Eligibility, underwriting, and premiums are determined by the issuing carrier.
Annuities and Guarantees
Annuities are long-term financial products designed for retirement income. Any guarantees associated with an annuity, including income guarantees and guaranteed minimum rates, are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not guaranteed by Lubbers & Associates, LLC, Ellija Capital Management, LLC, any bank, the FDIC, SIPC, or any government agency.
Annuities may involve surrender charges, market value adjustments, mortality and expense fees, rider charges, and tax consequences, including a potential 10% federal penalty for withdrawals taken before age 59½. Review the contract, prospectus (where applicable), and disclosure documents carefully before purchasing.
No Tax or Legal Advice
Lubbers & Associates, LLC does not provide tax, accounting, or legal advice, and no portion of this website should be interpreted as such. Tax treatment described on this site reflects our general understanding of current federal law, which is subject to change and may not apply to your situation. Please consult your own attorney, CPA, or tax adviser regarding your specific circumstances before acting on any information found here.
Performance, Projections, and Hypothetical Results
Past performance is not indicative of, and is no guarantee of, future results. Investing involves risk, including the possible loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment, strategy, or product will be suitable or profitable.
Any illustrations, projections, model portfolios, or hypothetical results shown on this site are for educational purposes only. Hypothetical and model results do not represent actual trading or actual client accounts; they are based on simulated transactions constructed with the benefit of hindsight, do not reflect the impact of taxes or all fees and costs, and are inherently limited. No representation is made that any client will or is likely to achieve results similar to those shown.
Accuracy and Currency of Information
Materials on this site are compiled from sources believed to be reliable and current, but accuracy and completeness cannot be guaranteed. Any opinions expressed here are subject to change without notice, and due to the rapidly changing nature of financial markets, tax law, insurance regulation, and Medicare rules, information may quickly become outdated. We undertake no obligation to update any content on this site.
There are no warranties, express or implied, as to the accuracy, timeliness, or completeness of any results obtained from information posted on this site.
Third-Party Websites and Links
This website may contain links to websites created, published, maintained, or otherwise posted by organizations independent of Lubbers & Associates, LLC. We do not endorse, approve, certify, or control these external sites, and we do not guarantee or assume responsibility for the accuracy, completeness, efficacy, or timeliness of information located there.
When you leave this website, the site you are transferred to is not part of the Lubbers & Associates, LLC website, and the presence of a link does not mean we accept responsibility for that site's content or use. Should you choose to use any transferring link, you assume full responsibility for your use of the destination website. We expressly disclaim any duty to review or correct the contents of such sites.
Intended Audience
This site is intended for the use of clients and prospective clients of Lubbers & Associates, LLC located in states where our firm and its representatives are properly licensed or registered. It is not to be used by any other financial professional, insurance producer, or investment adviser as a marketing materials source, asset allocator, risk assessment tool, or for any other purpose.
Questions
If you have questions about this disclaimer, please contact us:
Lubbers & Associates, LLC
3950 Wilson Ave SW
Grandville, MI 49418
Phone: (616) 531-7300
Email: [TO CONFIRM: preferred public contact email — site currently shows both