Identity and Affiliation
My Retirement Nest is [DESCRIBE WHETHER THIS IS A MARKETING NAME, DBA, OR WEBSITE NAME] used in connection with the services of Ricardo Aguirre, professionally known as Richard Aguirre. Richard Aguirre is a Financial Strategist and independent contractor affiliated with Bank of America Financial Group, Inc.
Licensed to serve clients in Illinois, Wisconsin, Arizona, Nevada, Texas, Virginia, and Georgia. Services are offered only where properly licensed, appointed, registered, and permitted. Not all products or services are available in every state or to every person.
Required Securities and Advisory Affiliation
[BANAMERICA COMPLIANCE MUST INSERT THE EXACT APPROVED BROKER DEALER AND OR REGISTERED INVESTMENT ADVISER DISCLOSURE, INCLUDING MEMBER FINRA SIPC LANGUAGE, CRD OR IAPD INFORMATION, OFFICE OF SUPERVISORY JURISDICTION, AND ANY “NOT AFFILIATED WITH” LANGUAGE THAT APPLIES.]
General Disclosure
The Site is for general informational and educational purposes. It is not individualized investment, securities, insurance, tax, accounting, or legal advice. Nothing on the Site is a guarantee, offer, or recommendation. Recommendations, if any, are made only after review of relevant information and delivery of applicable disclosures and agreements.
Investment Risk
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. No strategy can assure a profit or protect against loss in all market conditions. Diversification and asset allocation do not guarantee a profit or eliminate risk.
Retirement Accounts and Rollovers
Before moving retirement assets, consider all available options and their costs, services, investment choices, tax consequences, withdrawal features, creditor protections, and other characteristics. Neither a rollover nor any other option is appropriate for every person. Consult a tax professional regarding tax consequences.
Insurance and Annuities
Insurance and annuity products are issued by insurance companies and are subject to contract terms, exclusions, limitations, fees, charges, surrender periods, underwriting, and state availability. Guarantees depend on the claims-paying ability of the issuing insurer. Product descriptions on the Site are general and do not modify any policy or contract.
Tax and Legal Information
Tax and estate-planning topics are discussed only in general terms. Ricardo Aguirre, Richard Aguirre, My Retirement Nest, and Banamerica Financial Group, Inc. do not provide tax or legal advice unless separately qualified and expressly engaged to do so. Consult your attorney or tax professional regarding your circumstances.
Testimonials Endorsements and Ratings
[USE THIS SECTION ONLY IF THE SITE DISPLAYS TESTIMONIALS, ENDORSEMENTS, REVIEWS, RATINGS, OR THIRD PARTY AWARDS.] Testimonials reflect the experiences and opinions of the persons providing them and are not guarantees of future performance or success. Individual experiences vary. Any compensation, conflicts, selection criteria, rating methodology, and material limitations will be disclosed as required.
Third Party Information
Third-party information is obtained from sources believed to be reliable, but accuracy and completeness are not guaranteed. References to third parties do not necessarily imply endorsement, sponsorship, or affiliation.
Social Media
Social media posts, comments, reactions, follows, and messages are not individualized advice and should not be used to transmit confidential information or place transactions. Third-party comments do not necessarily reflect our views and may be removed where permitted. “Likes,” follows, and shares are not endorsements.
Electronic Communications
Email, text messaging, and website forms may not be secure. Do not send account numbers, Social Security numbers, passwords, tax documents, or transaction instructions through these channels. No trade, transfer, withdrawal, account change, or other transaction instruction is effective until accepted through an authorized process and confirmed by the responsible financial institution.
