Terms of Use
Effective date: November 5, 2026
These Terms of Use govern your use of this website, operated by LSF Capital ("LSF Capital," "we," "us"). By using the site, you agree to these terms.
1. Information only. Not financial, tax or legal advice.
Everything on this website, including articles, LSF University lessons, videos, guides, quizzes and calculators, is general information for educational purposes. It is not financial, investment, tax or legal advice, and it is not a recommendation to buy any product. We are not a registered investment adviser. Using this site does not create a client relationship with us. Talk to a qualified tax or legal professional about your own situation.
2. Insurance products
Insurance products are offered through LSF Capital and its licensed insurance agents / licensed partner agents acting on its behalf. Licensed insurance agents serving clients nationwide. Annuities are insurance products issued by insurance companies. They are not bank deposits, are not FDIC- or NCUA-insured, are not guaranteed by any bank, and are not insured by any federal government agency. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Fixed index annuities are not a direct investment in the stock market. Surrender charges and other limitations may apply. Product availability varies by state. We are not affiliated with or endorsed by the Federal Retirement Thrift Investment Board, the TSP, or any government agency.
3. No guarantee of results
Past results and examples do not guarantee future results. Reviews are from clients' public Google reviews and may not be representative of the experience of other clients. We make no promise about the outcome of any plan, product or strategy.
4. Quizzes and calculators are estimates only
The Retirement Income Planner, the Retirement Ready Quiz and any other tools are hypothetical illustrations based on the information you enter and simplified assumptions. Their results are estimates, not advice or guarantees, and your actual results will differ.
5. Third-party links
This site links to sites and services we don't control, including lsfreadyquiz.com (Retirement Ready Quiz), plus Calendly, YouTube and Google. We aren't responsible for their content, availability or privacy practices. Their own terms apply.
6. Accuracy and changes
We try to keep the site accurate and current, but information can change and may contain errors. We may change or remove any content at any time.
7. Intellectual property
The site's content, logos and design belong to LSF Capital or its licensors. You may view and print pages for personal, non-commercial use. Any other use requires our written permission.
8. Disclaimer of warranties
The site is provided "as is" and "as available," without warranties of any kind, to the fullest extent the law allows.
9. Limitation of liability
To the fullest extent the law allows, LSF Capital, its licensed insurance agents acting on its behalf, and their owners, employees and agents are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss arising from your use of, or reliance on, this site or its tools.
10. Calls, texts and privacy
How we collect and use your information, and how to opt out of calls and texts, is explained in our Privacy Policy.
11. Governing law
These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute will be brought in the courts located in Broward County, Florida.
12. Contact
LSF Capital · Licensed insurance agents serving clients nationwide. · 5310 NW 33 Ave, Suite 114, Fort Lauderdale FL 33309 · 954.999.0355 · Fax 954.999.0578 · info@lsfcapital.com · Mon–Fri 9–5