Licensing Disclaimer

Professional Licensing

Sharkey Financial is licensed to offer Life and Health Insurance products in the state of California. Stephanie Harkey holds the appropriate licenses and certifications required to provide financial services in accordance with state regulations.

Services Offered

Under our current licensing, we are authorized to provide:

• Life Insurance products and consultation
• Health Insurance guidance
• Indexed Universal Life (IUL) policies
• Insurance needs analysis
• General financial education and planning guidance

Investment Advisory Disclaimer

Important: Sharkey Financial is not a registered investment advisor. Any investment-related guidance provided is for educational purposes only and should not be considered as investment advice. For specific investment recommendations, clients should consult with a licensed investment advisor.

Geographic Limitations

Our insurance services are currently limited to residents of California. We cannot provide insurance products or services to residents of other states unless properly licensed in those jurisdictions.

Educational content and general financial planning discussions may be available to individuals outside of California, but no insurance products will be sold or recommended to non-California residents.

NIL Consulting Services

Our NIL (Name, Image, Likeness) consulting services include general business guidance, financial literacy education, and strategic planning. These services do not constitute legal advice, and clients should consult with qualified attorneys for legal matters related to NIL agreements and compliance.

Regulatory Oversight

Our insurance activities are regulated by the California Department of Insurance. Complaints or concerns about our insurance services can be directed to:

Continuing Education

We maintain all required continuing education credits and stay current with industry regulations, product knowledge, and best practices to serve our clients effectively.

Disclosure Requirements

In accordance with regulatory requirements, we will provide all necessary disclosures regarding:

• Product features, benefits, and limitations
• Fees and compensation structures
• Potential conflicts of interest
• Surrender charges and penalties
• Risk factors associated with products