Disclosures
Important information regarding our services, affiliations, advertising, and professional relationships. Last Updated: 08/20/2026
Legal & Tax Information
Estate and Retirement Resources, Inc. is not a law firm or accounting firm and does not provide legal or accounting services. Tax and estate planning information provided by our firm is for educational purposes and is not intended as legal or tax advice. We do not prepare wills, trusts, tax returns, or other legal or tax documents. We work collaboratively with clients’ attorneys, CPAs, and other professionals to help coordinate their overall financial plan.
Annuity Disclosures
Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier and are not guaranteed by the FDIC or any government agency.
Television Appearances
Television Appearance Disclosure: Michael Riley has appeared on Retirement This Week through paid media placements on ABC, NBC, CBS, and FOX. These appearances were sponsored and should not be interpreted as an endorsement, recommendation, or approval of Estate and Retirement Resources, Inc. or its services by the television networks or their affiliated stations. Appearances occurred on December 14, 2024 (NBC and FOX) and December 16, 2024 (ABC and CBS).
Free Resources & Offers
Our free resources and offers are provided without obligation. There are no hidden conditions, required purchases, or sales pitches associated with receiving these materials.
Advisory, Securities & Insurance Services
Advisory services offered through Simplicity Wealth, LLC, an SEC Registered Investment Adviser. Securities offered through Simplicity Investments, Member FINRA/SIPC. Insurance products and annuities offered through licensed agents acting in a separate capacity. Advisory services, broker-dealer services, and insurance agency services are separate offerings. Commission-based transactions create a material conflict of interest.
Business Valuation Services
Business valuation, tax structuring, and legal sale documentation are coordinated with and executed by independent qualified valuation, legal, and CPA professionals. Estate and Retirement Resources, Inc. does not provide valuation, legal, or tax services.
Vincent Munno – Conflict of Interest
Vincent Munno's affiliation with Simplicity UFC and insurance carrier management councils presents a material conflict of interest regarding insurance product recommendations.