Understand the relationships behind the Skyline experience.

1. Operator and Educational Purpose

Skyline Retirement is operated by Skyline Digital Consulting as a consumer retirement education and lead-generation website. Skyline provides marketing, lead-generation, automation and technology-enabled services to participating professionals and business partners.

Website content may explain retirement planning, taxes, income, Social Security, Medicare, required minimum distributions, investments, annuities, estate considerations and related topics. Tools and AI-assisted experiences provide educational explanations, calculations and summaries within their stated scope.

Skyline does not independently provide personalized investment advice or insurance recommendations through this website. Website information does not substitute for individualized investment, insurance, tax, legal or accounting advice.

2. Professional Relationships and Tactive's Role

Browsing the website, completing a questionnaire, receiving an educational result or using an AI-assisted feature does not, by itself, establish an advisory, fiduciary, insurance, attorney-client, tax-preparation, accounting or other professional relationship.

Individualized professional services are provided through the relevant professional relationship and its applicable scope, disclosures and agreements. These website disclosures do not negate obligations arising from actual services or conduct, or waive rights and duties that cannot legally be waived.

Tactive Advisors, LLC, a separate business and SEC-registered investment adviser, provides licensed technology supporting applicable Skyline programs. Using that technology does not, by itself, create an investment-advisory relationship with Tactive or mean that Tactive supervises every participating professional or approves an individual recommendation. SEC registration does not imply government approval or endorsement.

Skyline and Tactive remain responsible for their respective activities and applicable obligations. Participating professionals remain responsible for the professional services they provide.

3. Retirement Tools and Educational Results

Available experiences may include the Retirement Checkup, Roth Conversion Analysis, Annuity Analysis and other educational tools. Feature names do not establish that an output is an individualized recommendation or a comprehensive financial plan.

Tools may use submitted information to organize responses, explain topics, perform calculations or identify questions for professional discussion. Results depend on the inputs, assumptions, methods and scope of the feature and may omit facts relevant to your circumstances.

Educational summaries, topic labels and classifications do not validate retirement readiness, establish suitability or best interest, or prescribe a sequence of financial actions. A questionnaire result is not an instruction to purchase a product, execute a Roth conversion or enter another transaction.

4. Artificial Intelligence and External Processing

Applicable experiences may use AI to organize information, explain concepts, generate educational responses or summaries and identify potentially relevant resources. AI outputs can contain errors, omissions, unsupported statements or outdated information and may be unsuitable for your circumstances.

Consumer-facing outputs are not automatically reviewed or approved by a financial professional. AI does not replace individualized professional judgment and should not be the sole basis for a consequential investment, insurance, tax, legal or other financial decision.

Processing may involve Skyline, licensed Tactive technology and external providers, including but not limited to AI and related technology providers such as Anthropic, OpenAI and Voyage AI, depending on the feature and configuration. Identifiable information, prompts, questionnaire responses or document content may be transmitted for applicable processing. Not all information remains exclusively within Tactive's infrastructure.

Provider processing and retention depend on the applicable services, settings and arrangements. These disclosures do not promise universal anonymization, zero-data-retention arrangements, particular certifications or identical safeguards across all systems and providers. Do not submit passwords, authentication codes or account login credentials, or send sensitive personal documents through general forms, ordinary email or public-facing chat.

Restricted professional-only materials

Professional-only AI decision-support materials, including applicable Product Considerations, are separate from this website's consumer education. Restricted raw outputs are not client presentation materials and must not be exported, downloaded, printed, emailed, copied, screenshotted or otherwise shared with clients or prospects in circumvention of those restrictions.

A Professional Review & Approval acknowledgment records the professional's review and responsibility. It does not remove presentation restrictions, establish Tactive endorsement or turn a raw output into an approved consumer recommendation. Any permitted consumer materials must be separately prepared and reviewed under applicable program and professional requirements.

See our Responsible AI principles and Privacy Policy for additional information about processing and limitations.

5. Roth Conversion Education and Illustrations

A Roth Conversion Analysis experience may explain conversion considerations and generate educational calculations or summaries. It does not determine that you should convert, identify an appropriate conversion amount or guarantee a tax benefit.

Conversion decisions can involve current and future tax rates, taxable income, timing, required minimum distributions, Medicare premiums, Social Security taxation, liquidity, estate considerations and other individual circumstances. An output may not account for all of these factors or for current law.

Illustrations depend on stated or assumed inputs and future conditions. Verify the inputs and applicable rules and seek qualified tax or financial guidance before implementing a conversion. Actual tax consequences and other effects can differ from an educational illustration.

6. Annuity Education and Illustrations

An Annuity Analysis experience may explain retirement-income considerations, including income predictability, liquidity, longevity, costs and flexibility. An educational result does not establish that you need an annuity, should purchase one or would benefit from a particular product.

Features, benefits, fees, surrender charges, withdrawal restrictions, tax treatment and risks depend on the actual contract, issuing insurer, applicable law and your circumstances. Summaries and illustrations may omit material contract terms or use assumptions that differ from actual results.

Review the current product documents and discuss alternatives, costs, risks and applicable suitability or best-interest considerations with an appropriately licensed professional. Contractual guarantees are subject to their terms and the issuing insurer's claims-paying ability.

7. Participating Financial Professionals

Skyline offers professional-contact and lead-generation experiences. Information may be shared with participating professionals or their organizations as described in the relevant form or experience and our Privacy Policy. Review the purpose, recipient information and communication choices presented before submitting information.

Participating professionals may operate through investment advisers, broker-dealers, insurance agencies or other organizations. Their authority and duties depend on their registrations or licenses, the services provided and applicable law. Not every participating professional provides every type of service or acts as a fiduciary in every capacity.

Professionals are responsible for licensing, advice, recommendations, applicable suitability or best-interest duties, fiduciary duties where applicable, supervision, required records and client relationships. Skyline's educational materials or AI outputs do not discharge those responsibilities.

Inclusion in a Skyline experience does not guarantee a professional's services, recommendations, performance, conduct or fit for your circumstances. Do not assume that inclusion reflects an impartial ranking, comprehensive market search or independent credential verification. Review the professional's identity, registration or licensing, agreements, fees, conflicts, affiliations and scope before engaging them.

8. Marketing, Compensation and Commercial Relationships

Skyline operates a commercial marketing and technology business serving participating professionals and enterprise partners. Paid program, marketing and technology arrangements support applicable Skyline programs. Consumer education and professional-contact opportunities can therefore be connected to commercial relationships.

Commercial participation can create financial incentives to generate inquiries and connect consumers with participating professionals. This website is not a comprehensive directory or an impartial ranking of all available professionals or products. Do not assume a professional's participation means the professional is the best option for you or that the relationship is free of conflicts.

Whether a particular arrangement includes compensation for an introduction, referral or endorsement depends on that arrangement. General descriptions on this page do not disclose the material terms of every specific arrangement or replace disclosures required for a particular communication, referral or professional relationship.

Applicable compensation, affiliation and conflict disclosures must be provided at the time and in the manner required by applicable law. A general website disclosure is not a substitute for those disclosures. Ask about relevant arrangements and review the specific information before deciding to engage a professional.

9. Insurance and Annuity Products

Insurance and annuity products are issued by insurance companies. Product recommendations and sales must be handled by professionals with the licensing and authority required for the relevant product and jurisdiction. Skyline does not independently make insurance recommendations through this website.

Availability, fees, guarantees, surrender charges or periods, withdrawal restrictions, tax treatment and applicable suitability or best-interest considerations vary by contract, carrier, state and circumstances. Guarantees are subject to contract terms and the issuing insurer's claims-paying ability; investment-related features may carry additional risks.

Insurance professionals may receive commissions or other compensation connected to product sales. Review the relevant compensation, conflict and product disclosures. Do not assume that an educational illustration includes all costs or establishes that a product is appropriate for you.

10. Investments and Investment Risk

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Illustrations and assumptions do not establish future returns or the sustainability of a particular withdrawal strategy.

Website discussions of asset allocation, portfolio construction, withdrawals, securities or investment strategies are educational. They are not Skyline recommendations to buy, sell or hold a security or implement an investment strategy. Any individualized professional recommendation belongs to the relevant professional service and its applicable obligations.

11. Tax, Accounting and Legal Information

Website content may explain general tax, Roth conversion, required minimum distribution, estate and related concepts. It is not individualized tax, accounting or legal advice and may not address the rules or facts relevant to you.

Consult appropriately qualified tax, accounting or legal professionals when a decision requires individualized guidance. An educational calculation, AI response or referral does not replace that evaluation.

12. Third-Party Information and Technology

Skyline may use operational providers or link to independent websites, resources and professional services. Providers supporting hosting, communications, analytics or AI processing have different roles from professionals independently providing services to you.

When you interact directly with an independent organization, its terms, privacy notices, disclosures and fees may apply. Skyline does not control every independent third party merely because it provides a link or introduction.

These distinctions do not remove Skyline's responsibilities for its own representations, disclosures and obligations concerning providers acting on its behalf. Website use or reading these disclosures does not itself authorize marketing calls or texts; review the relevant communication notices and choices.

13. Accuracy, Dates and Changing Rules

Content, calculations and AI responses may be incomplete, inaccurate or outdated. Tax rules, Medicare thresholds, Social Security provisions, contribution limits, required minimum distribution rules and other information can depend on a particular year or change through legislation, regulation or agency guidance.

Publication or availability on this website does not establish that a statement has been verified against the latest rule, product document or individual facts. Skyline does not promise real-time updates to every page, tool or AI response.

Verify materially important information against current authoritative sources and relevant documents before acting, and consult the professional responsible for any individualized recommendation.

14. No Guarantee of Outcomes or Waiver of Rights

Skyline does not guarantee investment performance, retirement readiness, tax savings, Roth conversion results, income, insurance outcomes or professional performance. Examples, estimates and illustrations are not promises of results.

Actual outcomes depend on individual facts, market conditions, future events, law, product terms, costs and other factors. Educational outputs do not establish suitability or best interest.

These disclosures do not waive rights under applicable securities, insurance, consumer-protection, privacy or other laws that cannot legally be waived. They do not eliminate nonwaivable professional duties or Skyline's or Tactive's responsibility for their respective activities.

15. Questions About These Disclosures

If you have questions about Skyline's educational role, technology, professional relationships or these disclosures, please contact Skyline Digital Consulting, operator of Skyline Retirement.

Skyline Digital Consulting / Skyline Retirement
1990 Main Street, Suite 750
Sarasota, FL 34236
[email protected]