Disclosures
HavenPoint Retirement Strategies, LLC • Effective Date: July 11, 2026
This document applies to the websites operated by HavenPoint Retirement Strategies, LLC, including havenpointretirement.com and its subdomains (such as go.havenpointretirement.com and schedule.havenpointretirement.com) and myoldretirement.com (together, the "Site").
1. Firm Information
HavenPoint Retirement Strategies, LLC is a Texas limited liability company, formed in 2026, offering insurance and retirement planning services through licensed insurance professionals. Josh Broach is the principal and licensed insurance professional at HavenPoint.
2. Licensing
Josh Broach is a licensed insurance professional offering insurance and annuity products to residents of Texas, Florida, California, and Arizona. All active licenses can be verified publicly through the National Insurance Producer Registry at nipr.com, or directly with each state's Department of Insurance: Texas Department of Insurance (tdi.texas.gov); Florida Department of Financial Services (myfloridacfo.com); California Department of Insurance (insurance.ca.gov); Arizona Department of Insurance and Financial Institutions (difi.az.gov). License information for any specific state is available on request.
3. What HavenPoint Does and Does Not Do
HavenPoint provides: education about retirement accounts, including 401(k), 403(b), 457, IRA, and Roth IRA; education and guidance about retirement income strategies; education about Social Security claiming considerations; and sale of insurance and annuity products, including fixed annuities, fixed indexed annuities, multi-year guaranteed annuities, life insurance, and health and disability insurance, in states where licensed.
HavenPoint does not: provide securities recommendations, brokerage services, or investment management (HavenPoint is not a registered investment adviser and is not registered with the SEC, FINRA, or any state securities regulator); prepare tax returns or provide tax advice; provide legal advice; take custody of client funds or securities; or charge advisory fees. HavenPoint is compensated through commissions paid by insurance carriers when products are placed.
4. Important Disclosures About Insurance and Annuity Products
Educational nature of information. Information provided on the Site, in quizzes and educational previews, during consultations, and in marketing materials is educational. It is not personalized financial advice. Any recommendation that a specific insurance or annuity product is appropriate for you will be made only after a review of your individual situation, financial objectives, time horizon, risk tolerance, and other relevant factors, and only as part of a formal written application.
Hypothetical examples. Illustrations, examples, and figures shown in advertisements and educational materials (including any monthly income figures) are hypothetical examples based on real product illustrations for a stated set of assumptions. Your figures depend on your age, premium amount, product availability in your state, and prevailing rates at the time of application, and will differ.
Past performance. Past performance is not a guarantee of future results. Historical returns, hypothetical illustrations, and projected outcomes are not promises of future performance.
Annuity product features and limitations. Annuities are long-term insurance contracts designed for retirement income. Features to consider before purchase include: surrender charges on withdrawals during the surrender period (often 5 to 10 years or longer); early withdrawal penalties before age 59½ under IRS rules, in addition to ordinary income tax; limited access to funds during the surrender charge period; charges, fees, and rider expenses that vary by product; and index-linked crediting features (participation rates, caps, and spreads) that limit the amount of index-linked interest credited.
Guarantees. Any guarantees associated with insurance and annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Guarantees are not backed by HavenPoint Retirement Strategies, LLC, by any government agency, by the FDIC, or by SIPC.
State guaranty associations. Annuity contracts may be eligible for limited protection under state insurance guaranty associations. Coverage limits and conditions vary by state; see nolhga.com.
Suitability standard. Insurance and annuity recommendations made by HavenPoint follow applicable state suitability and best interest standards, including the NAIC Suitability in Annuity Transactions Model Regulation as adopted in your state of residence. A suitability standard is not the same as the fiduciary standard that applies to a registered investment adviser providing securities advice.
5. Compensation
HavenPoint is compensated through commissions paid by the insurance carrier when an insurance or annuity product is placed. We do not charge fees for consultations or for retirement education. Commission amounts vary by product and carrier. Commission information for any specific product can be provided on request before you apply.
6. State Insurance Department Contacts
To file a complaint or ask a question about insurance practices, contact the Department of Insurance in your state: Texas — Texas Department of Insurance, 1601 Congress Avenue, Austin, TX 78701, 1-800-252-3439, tdi.texas.gov. Florida — Department of Financial Services, Division of Consumer Services, 1-877-693-5236, myfloridacfo.com. California — California Department of Insurance, 1-800-927-4357, insurance.ca.gov. Arizona — Department of Insurance and Financial Institutions, 602-364-3100, difi.az.gov.
7. Forward-Looking Statements
Statements about future retirement outcomes, market trends, tax law changes, or product performance are forward-looking and inherently uncertain. Actual results may vary materially from projected or illustrated outcomes due to changes in market conditions, tax laws, your personal circumstances, and other factors beyond our control.
8. No Affiliation with Government Agencies
HavenPoint Retirement Strategies, LLC is not affiliated with, endorsed by, sponsored by, or connected to the Social Security Administration, the Internal Revenue Service, the Centers for Medicare and Medicaid Services, the United States Department of Labor, or any other federal, state, or local government agency.
9. Updates to These Disclosures
HavenPoint may update these Disclosures. The current version is always posted on the Site with an updated Effective Date.
Contact Us
HavenPoint Retirement Strategies, LLC
539 W. Commerce St #2937, Dallas TX 75208
Email: Josh@havenpointretirement.com • Phone: 469-829-6352