Professional Disclaimer

At Future Benefits Insurance & Retirement, we are licensed insurance agents with extensive experience in the retiree market. Our qualifications are backed by years of industry training, and we complete mandatory product-specific training required by the companies we represent. Furthermore, we adhere to state regulations that necessitate periodic continuing education.

It is important to clarify that we do not provide tax or legal advice. The information available on this website is intended to offer general guidance on the subjects discussed. According to IRS Circular 230, it should not be construed as specific legal or tax advice and cannot be relied upon to avoid tax penalties or to endorse any tax plans or arrangements. We recommend consulting your tax advisor or attorney for personalized assistance.

Additionally, we do not operate as stock brokers or financial advisors, as we are not licensed in those fields. Consequently, we do not provide investment or securities advice regarding transactions such as selling, liquidating, surrendering, replacing, withdrawing, or reallocating securities. We urge you to seek guidance from your investment advisor and/or accountant for such matters. Please be aware that individuals including Frank Hall, Rada Hall, Paul Pollan, and other Future Benefits agents do not hold the necessary registrations for these services. Your decisions concerning any investments or securities transactions conducted with Future Benefits agents or the companies they represent are wholly your responsibility.

We also wish to emphasize that we are not affiliated with Social Security, Medicare, or any government agency. As such, neither Frank Hall, Paul Pollan, nor any Future Benefits agents offer legal or Social Security advice. For inquiries regarding Social Security, we recommend consulting your attorney or visiting the Social Security Administration’s website at ssa.gov.

Lastly, please note that any information on this site provided by third parties, including video links, is not guaranteed for accuracy by Future Benefits Insurance & Retirement Planning or its agents.