LEGAL DISCLAIMER

Ailm Financial is a licensed insurance agency in the State of North Carolina, operating under the regulatory oversight of the North Carolina Department of Insurance (NCDOI).

Services & Disclosures: Ailm Financial is a licensed insurance agency specializing in risk management and retirement solutions, with insurance products placed through independent insurance marketing organizations, including Simplicity Group Holdings of Summit, NJ. For comprehensive financial planning and investment management, Joel Austin offers advisory services through Portfolio Medics, LLC, an SEC-registered investment advisory firm.

Mandatory Legal Notice: Views expressed by Joel Austin and Ailm Financial are theirs alone. This summary is for informational purposes only and shall not constitute advice and is not an offer to buy or sell, or a solicitation of any offer to buy or sell investment products. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for your portfolio. All investment strategies have the potential for profit or loss, and past performance is not a guarantee of future success. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there is no assurances that it will match or outperform any particular benchmark. Past performance is no guarantee of future performance or profitability. The types of investments discussed also do not represent all the securities purchased, sold or recommended for clients. Stated information is derived from proprietary and non-proprietary sources that have not been verified for accuracy or completeness. While the firm believes this information to be correct, we do not claim or have responsibility for its completeness, accuracy or reliability. Joel Austin and Ailm Financial, do not provide any type of tax advice. Individuals and entities should refer to their CPA or tax professional for any tax-related questions. The firm also assumes no duty to update any information in this presentation for subsequent changes of any kind.

Annuities: Fixed and Indexed Annuities are insurance contracts backed solely by the issuing insurance carrier. They are not direct stock market investments. Early withdrawals may incur surrender charges and/or IRS penalties.

Medicare: Ailm Financial represents multiple Medicare-approved carriers but does not offer every plan available in your area. Beneficiaries can review all options via Medicare.gov, CMS, or SHIIP.

Compensation & Underwriting: Ailm Financial receives commissions from carriers when policies are issued, which generally do not increase your filed premium rate. All coverage is subject to carrier underwriting approval. Property and casualty descriptions are summaries only.

Contact:

• Entity: Ailm Financial
• Email: info@ailmfinancial.com
• Phone: (336) 663-3308
• Website: www.ailmfinancial.com