Terms of Use
Educational use only
Everything on this site is educational. It is not a recommendation, an offer, tax advice, or legal advice, and it is not an offer to sell or a solicitation to buy any product or security. Nothing here takes account of your individual circumstances.
What Retirement Income Specialists is
Retirement Income Specialists is a referral platform. We are not an investment adviser or a broker-dealer, and we do not provide advice, manage assets, or sell insurance or securities. We introduce you to an independent financial professional who runs their own practice. That advisor is not our employee or agent, and we are not responsible for the advice they give or the products they recommend.
No guarantee of a match or a result
Completing the evaluation does not guarantee that an advisor is available in your state, that an introduction will be made, or that any particular strategy will be suitable for you. Any figures shown anywhere on this site are illustrative only and do not predict or guarantee any outcome.
Annuities
Annuities are insurance products and are not appropriate for everyone. Product features, costs, surrender charges, liquidity, tax treatment, income options, spouse benefits and beneficiary provisions vary. Guarantees depend on the terms of the contract and the claims-paying ability of the issuing insurer. Product availability varies by state and carrier.
Your responsibilities
You agree to give accurate information, to use this site lawfully, and not to interfere with it or attempt to access it in any way other than through the interface we provide.
Our content
The text, design and material on this site belong to Retirement Income Specialists and may not be copied or republished without permission.
Limitation of liability
This site is provided "as is". To the fullest extent the law allows, we are not liable for any indirect or consequential loss arising from your use of the site or from any introduction made through it.
Changes
We may update these terms. Continuing to use the site after a change means you accept the updated terms.
Contact
austin@retirementincomespecialists.biz · +1 (417) 516-6362
Last updated 26 August 2026.