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At Retirement Solutions 4 Life Inc., we take great pride in providing our clients with world-class service and a one-of-a-kind experience. Meeting your individual needs and exceeding your expectations is what we strive for each day. To embody this goal, we have in place our unique 5-Star Client Promise, a philosophy and set of expectations you can come to count on from our entire company and staff. As always, if your experience with us is anything less than first-class, please be sure to let us know immediately.

 

What you can expect to experience:

 

  • A direct relationship with us for any questions, concerns or planning needs you may have

  • Quick responses to your calls, emails and messages (absolutely no more than 1 business day)

  • The ability to schedule an in person meeting or office appointment at any time you need it

  • Changes to your retirement solution plan as you need it, with our guidance and support

  • Ongoing monitoring and oversight of your accounts and/or policies

  • Online account access for those policies with companies that offer it

  • Regular account and policy reviews, with up to date account information and performance

  • Any account servicing you need, such as RMD processing, withdrawals, beneficiary changes

  • All service requests handled in a prompt and expedited manner

  • Frequent communication and correspondence from us to you

  • Educational event opportunities and social activities periodically throughout the year

  • Financial concepts, topics and strategies explained in easy-to-understand language

  • Have your privacy and personal information carefully protected

  • You will at all times be treated in a respectful, courteous and kind manner

Our 5 Star Client Promise

Yes! We are a Fiduciary

We do have a fiduciary responsibility to always do what's best for the client. However, we didn't need a law to tell us that! It's our moral fiber! It is important to know when considering your options and shopping around, (yes, I know you're shopping!) to know whether the Agent, Broker, Advisor, or Agency has a fiduciary responsibility.

 

What is does Fiduciary Duty mean?

The law states, "(3) Any insurance agent who breaches a fiduciary duty; who solicits, offers, sells, transacts, or purchases insurance coverage from a risk retention group which is not in compliance with the applicable provisions of this part; or who violates any provision of the Florida Insurance Code shall be subject to fine and revocation or suspension of her or his license and appointment, in accordance with the procedures established under the Florida Insurance Code and may be held liable for civil damages to any person or group resulting from such violation or breach of a fiduciary duty."

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http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.952.html

Our Privacy Policy:

The privacy of your personal information is important to us. We are committed to maintaining and protecting its confidentiality. This notice describes how we collect, share and protect your information. We use your information to provide and administer the products and services you have requested. We also use it for our internal research and analysis. We want you to know that: • We do not sell or rent the information we have about you to anyone. • We do not share your information with outside companies for the purpose of selling their products or services to you. • We only share information about you with others as the law permits or requires. Information We May Collect and From Whom We collect your personal information to offer you insurance and financial products and services. The type of information we collect and the extent to which it is used depends on the products and services we provide to you. For example, we may obtain information such as: • Your name, mailing and email address(es); date of birth, telephone number and Social Security number; your employment history and education; and your assets and income from applications and other forms from you, your employer and others • Your policy coverage and claims • Your premiums and payment history from your dealings with us • Your credit and financial history from other insurance companies, insurance support organizations and consumer reporting agencies that you authorize • Your medical history including records from medical providers and related entities, third party administrators, insurance support organizations and consumer reporting agencies that you authorize Information We May Disclose We may share the types of information described above with others. These disclosures are only made as authorized by you, or as permitted or required by law. For example, disclosures may be made to: • Agents or brokers who provide our products and services to you • Service providers who perform business services or functions on our behalf or to serve you • Employers and their representatives • Reinsurers, other insurance companies and insurance support organizations for purposes related to insurance and services you may have or apply for • Others who may have a joint marketing agreement with us, unless state law restricts such use • Insurance departments or other legal authorities in connection with the regulation of our business or to comply with laws and regulations • Law enforcement agencies to help prevent fraud or illegal activities • Authorized persons in response to a subpoena, warrant or other court order • Others in order to comply with auditing and reporting requirements • Our affiliates who may provide insurance or financial products and services to you When information about you is disclosed to others, we expect them to: (a) protect your information; and (b) use the information only for the limited purpose for which it was shared. Your Rights We want to make sure that we have accurate information about you. In general, you have the right to review your personal information that we have. You must make your request in writing and provide us with: your full name, your address and your telephone number. If you believe information we have about you is not accurate, you may tell us; and you may inform us in writing of any changes you believe should be made. We will review your request and respond to it accordingly. Confidentiality and Security We protect your personal information by: • Training our employees to safeguard your information • Restricting access to those employees who need it to provide products or services to you • Using physical, electronic and procedural safeguards that protect your information from misuse • Contractually requiring service providers to secure your information in accordance with state and federal laws Further Information We may change our privacy policy at any time. We will provide a new notice if we make material changes to our privacy practices. If your relationship with us ends, we will continue to limit disclosures of your information in accordance with our privacy policy.

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