Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a Registered Investment Adviser. Sub-advisory services are provided by Simplicity Solutions, LLC, a Registered Investment Adviser. Insurance, Consulting and Education services offered through Professional Planning Services. Professional Planning Services is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

The Kai-Zen® Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.

The National Social Security Advisor (NSSA) certification was obtained on 12/7/2022 (Chris Lester) and 1/11/24 (Katelyn Erchick) by completing eight hours of coursework, passing a certification exam. Certificate renewal requires sixteen hours of biennial continuing education and payment of a fee. The NSSA certification is not affiliated with or endorsed by the Social Security Administration or any other government agency. More information regarding the certification can be found at https://nationalsocialsecurityassociation.com/become-an-advisor/.