Affiliate Disclosure

1. What Is an Affiliate Relationship?

An affiliate relationship is a partnership between RetireReady Financial Services and financial product providers, investment platforms, or service companies. When you click on certain links on our website and take a qualifying action (such as opening an account, making a purchase, or signing up for a service), we may receive a commission or referral fee from the company.

This compensation helps us maintain our website, create educational content, and continue providing free resources to help you plan for retirement.

2. How We Make Money

RetireReady Financial Services may receive compensation through the following methods:

3. Our Affiliate Partners

We maintain affiliate relationships with various financial services companies, including but not limited to:

• Brokerage firms and investment platforms
• IRA and 401(k) providers
• Robo-advisors and wealth management services
• Insurance companies offering annuities and life insurance
• Financial planning software providers
• Credit card companies with retirement rewards programs
• Tax preparation services
• Estate planning and legal services

The specific companies we partner with may change over time. We only partner with companies we believe offer legitimate value to our readers.

4. How Affiliate Relationships Affect Our Content

We are committed to providing honest, unbiased information regardless of affiliate relationships:

• We review and recommend products based on their merits, not commission rates
• We include both affiliate and non-affiliate products in our comparisons
• We disclose when content contains affiliate links
• We never let compensation influence our ratings or recommendations
• We regularly update our content to ensure accuracy

5. FTC Compliance

In accordance with the Federal Trade Commission (FTC) guidelines, we disclose our affiliate relationships. The FTC requires that we clearly identify any material connections between ourselves and the companies whose products or services we recommend.

This disclosure is intended to comply with the FTC's 16 CFR Part 255: "Guides Concerning the Use of Endorsements and Testimonials in Advertising."

6. No Additional Cost to You

7. Product Reviews and Recommendations

When we review or recommend financial products and services:

• We conduct thorough research on each product
• We consider factors such as fees, features, customer service, and user experience
• We compare products against competitors in the market
• We update reviews when products or pricing change
• We clearly indicate if we have not personally used a product
• We welcome reader feedback to improve our reviews

8. Sponsored Content Disclosure

Occasionally, we may publish sponsored content or paid advertisements. When we do:

• Sponsored content is clearly labeled as "Sponsored," "Advertisement," or "Paid Partnership"
• We maintain editorial control over sponsored content
• We only accept sponsorships from companies we believe offer value to our readers
• Sponsored content is reviewed for accuracy before publication

9. Amazon Associates Disclosure

RetireReady Financial Services is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, we earn from qualifying purchases.

10. Your Trust Matters

We understand that trust is essential when it comes to financial advice and recommendations. We are committed to:

• Being transparent about how we make money
• Providing honest, unbiased information
• Putting your interests first in our recommendations
• Continuously improving our content and disclosures
• Responding to your questions and concerns

11. Questions About This Disclosure

If you have any questions about our affiliate relationships or this disclosure, please don't hesitate to contact us: