Ulloa Financial, LLC Website Disclosures

Effective Date: August, 2020
Last Updated: July 21, 2026

The following disclosures apply to www.ulloafinancial.com, including its articles, videos, webinars, guides, checklists, worksheets, market commentary, downloadable resources, and other educational content.

These disclosures are intended to help visitors understand the nature, scope, limitations, and availability of the information and services presented by Ulloa Financial, LLC.

1. General Educational Disclosure

Information presented on this website is provided for general educational and informational purposes only.

Website content should not be considered:

• Individualized financial advice

• Investment advice

• Insurance advice

• Tax advice

• Legal advice

• Accounting advice

• A recommendation to purchase or sell a security, insurance policy, annuity, or other financial product

• A substitute for a personalized financial planning engagement

• A guarantee that any strategy or service is appropriate for a particular person

Financial strategies should be evaluated in light of the individual’s goals, financial circumstances, family responsibilities, income, expenses, time horizon, liquidity needs, risk tolerance, tax situation, and other relevant considerations.

Visitors should consult the appropriate financial, investment, insurance, tax, legal, or accounting professional before acting on information presented through this website.

2. About Ulloa Financial

Ulloa Financial, LLC is a financial planning and insurance firm that provides education, guidance, planning support, and financial solutions to individuals, families, professionals, pre-retirees, and business owners.

Services may include:

• Comprehensive financial planning

• Retirement planning

• Retirement income planning

• Wealth coordination

• Investment planning and management, when offered through the appropriate authorized relationship

• Risk management

• Life insurance

• Annuities

• Cash flow and debt planning

• Estate planning coordination

• Tax planning coordination

• Business planning and protection

• Financial education

The availability and scope of services depend on the client’s needs, location, applicable licensing, regulatory requirements, and the professionals involved.

3. Regulatory Status

Ulloa Financial should not be understood to be a registered investment adviser, broker-dealer, bank, law firm, accounting firm, or tax-preparation firm unless that status is expressly confirmed in writing and supported by the appropriate registration, licensing, or authorization.

Nothing on this website should be interpreted as representing that Ulloa Financial or any associated person is registered, licensed, or authorized in a jurisdiction where such status has not been established.

4. CFP® Professional Disclosure

The CFP® certification identifies professionals who have satisfied certification requirements established by CFP Board.

Use of the CFP® marks does not mean that CFP Board endorses Ulloa Financial, guarantees the quality of services provided, or approves any financial strategy, insurance product, investment, or recommendation.

5. Compensation Disclosure

Ulloa Financial may receive compensation through one or more of the following arrangements:

• Fees for financial planning or advisory services

• Commissions from the sale or implementation of insurance products

• Commissions from annuity contracts

• Referral compensation, when legally permitted and properly disclosed

• Other compensation described in the applicable client agreement, disclosure document, or product materials

The method and amount of compensation may vary according to the service, product, provider, and client relationship.

Before a recommendation is implemented, clients should receive clear information concerning:

• The nature of the service being provided

• Applicable fees or commissions

• Potential conflicts of interest

• Product charges or expenses

• Surrender periods or withdrawal restrictions

• Ongoing servicing arrangements

• The role of each participating professional or company

The existence of compensation does not by itself determine whether a strategy or product is appropriate. Suitability and recommendations should be based on the client’s needs, objectives, financial circumstances, and available alternatives.

6. Fiduciary and Client-First Language

Ulloa Financial follows a client-first, planning-focused philosophy that emphasizes education, transparency, suitability, and long-term alignment.

Use of terms such as fiduciary-minded, client-first, or planning-first should not be interpreted as creating a fiduciary relationship through use of the website alone.

Whether a legal fiduciary duty applies depends on:

• The service being provided

• The agreement governing the relationship

• The professional’s regulatory capacity

• Applicable federal or state law

• The specific facts and circumstances

A fiduciary or advisory relationship begins only after the required agreements and disclosures have been completed.

7. Investment Disclosure

Investing involves risk, including the possible loss of principal.

Investment values may rise or fall. No investment strategy can eliminate all risk, and no level of performance is guaranteed.

Past performance does not guarantee future results. Current results may differ materially from historical results, projections, examples, or illustrations.

Any investment-related information on this website is educational and should not be interpreted as:

• A recommendation to purchase or sell a security

• A personalized asset allocation

• A prediction of market performance

• A representation that a particular strategy will be profitable

• A promise that losses can be avoided

• An offer of investment advisory services where Ulloa Financial is not properly authorized

The SEC’s investment adviser marketing standards prohibit materially misleading statements and require fair and balanced treatment of benefits, risks, limitations, testimonials, endorsements, and performance information. (SEC)

8. Performance and Illustrations

Unless specifically identified otherwise, examples and illustrations presented on the website are hypothetical and are provided only to explain financial concepts.

Hypothetical results:

• Do not represent the performance of an actual client account

• May depend on assumptions that do not occur

• May not reflect taxes, fees, expenses, withdrawals, or changing market conditions

• Benefit from hindsight

• Do not guarantee future results

Any future use of investment performance, testimonials, endorsements, rankings, or hypothetical results should receive compliance review before publication.

9. Insurance Disclosure

Insurance products are offered through appropriately licensed insurance professionals.

Insurance products and contract features vary by:

• Insurance company

• State

• Product

• Underwriting class

• Age

• Health

• Contract terms

• Availability

Insurance products are issued by unaffiliated insurance companies. Any guarantee associated with an insurance policy or annuity depends on the financial strength and claims-paying ability of the issuing insurance company.

Insurance applications may be subject to:

• Medical underwriting

• Financial underwriting

• Carrier approval

• Policy exclusions

• Waiting periods

• Coverage limitations

• Premium requirements

A policy should not be purchased or replaced without carefully reviewing the contract, illustrations, costs, surrender provisions, exclusions, and alternatives.

10. Life Insurance Disclosure

Life insurance policy benefits, premiums, cash values, and other features depend on the specific policy and issuing company.

Policy loans and withdrawals may:

• Reduce available cash value

• Reduce the death benefit

• Increase the possibility of policy lapse

• Create tax consequences

• Require additional premiums

Life insurance illustrations are not guarantees unless a value is specifically identified as guaranteed in the policy.

Non-guaranteed values may change based on:

• Crediting rates

• Dividends

• Index performance

• Caps

• Participation rates

• Spreads

• Charges

• Expenses

• Policy performance

Clients should review both guaranteed and non-guaranteed values before making a decision.

11. Indexed Universal Life Insurance Disclosure

Indexed universal life insurance is a form of permanent life insurance.

It is not a direct investment in a stock market index. The policy does not own shares of the index, and the policyholder does not receive index dividends.

Interest credited to an indexed policy may be affected by:

• Participation rates

• Caps

• Spreads

• Floors

• Index-crediting methods

• Policy charges

• Insurance costs

• Contract terms

A zero-percent index floor generally applies to the index-crediting calculation before policy charges. It does not mean that the policy cannot lose cash value.

Policy performance may be lower than illustrated, and additional premiums may be required to maintain coverage.

12. Annuity Disclosure

Annuities are long-term insurance contracts designed for purposes that may include income, accumulation, principal protection, or legacy planning.

Annuities may involve:

• Surrender charges

• Withdrawal restrictions

• Market-value adjustments

• Contract fees

• Rider fees

• Income limitations

• Tax consequences

• Early-withdrawal penalties

• Liquidity constraints

Withdrawals before age 59½ may be subject to a federal tax penalty unless an exception applies.

Annuities are not appropriate for every investor or financial objective.

Any guarantee depends on the claims-paying ability of the issuing insurer. NAIC consumer guidance emphasizes that annuity buyers should evaluate costs, liquidity, contract terms, guarantees, and how the product fits their needs before purchasing. (NAIC Content)

13. Fixed and Indexed Annuities

Fixed and fixed indexed annuities are insurance products, not direct investments in securities or market indexes.

Indexed interest is calculated according to the contract’s formula and may be limited by:

• Caps

• Participation rates

• Spreads

• Crediting periods

• Index options

• Other contract provisions

Index growth does not necessarily equal the interest credited to the annuity.

Contract owners should review surrender schedules, income riders, withdrawal provisions, death benefits, and renewal terms before purchasing.

14. Variable Products

Information concerning variable annuities, variable life insurance, mutual funds, or securities-based products should appear on this website only if offered through an appropriately registered and supervised professional.

Variable products involve investment risk and may lose value.

Before publishing content concerning a specific variable product, confirm:

• The supervising broker-dealer or investment adviser

• Required prospectus delivery

• Licensing and registration

• Product approval

• Advertising approval

• Required securities disclosures

15. No Bank Guarantee or FDIC Insurance

Insurance products and annuities are not bank deposits.

Unless specifically stated for a particular bank product, they are:

• Not FDIC insured

• Not insured by any federal government agency

• Not guaranteed by a bank or credit union

• Subject to the financial strength and claims-paying ability of the issuing insurance company

• Subject to contract terms and limitations

Investment products are subject to market risk and may lose value.

16. Retirement Planning Disclosure

Retirement planning involves assumptions concerning future events that cannot be known with certainty.

Actual results may differ because of:

• Investment returns

• Inflation

• Interest rates

• Taxes

• Longevity

• Healthcare costs

• Employment changes

• Social Security changes

• Pension provisions

• Spending needs

• Family responsibilities

• Legislative or regulatory changes

A retirement projection is not a guarantee of financial security or future income.

17. Social Security Disclosure

Social Security information presented on this website is educational and based on laws, regulations, and program information available as of the date of publication.

Social Security rules may change. Individual benefits depend on factors that may include:

• Earnings history

• Claiming age

• Marital status

• Work history

• Government pension coverage

• Survivor eligibility

• Disability status

• Continued employment

• Legislative changes

Ulloa Financial is not affiliated with or endorsed by the Social Security Administration.

Visitors should verify benefit information directly through the Social Security Administration before making a claiming decision.

18. Medicare and Healthcare Disclosure

Medicare, health insurance, long-term care, and healthcare-cost information is provided for educational purposes.

Eligibility, premiums, benefits, enrollment periods, penalties, and coverage options may change.

Ulloa Financial is not affiliated with or endorsed by:

• Medicare

• The Centers for Medicare & Medicaid Services

• The United States government

• Any federal or state healthcare agency

Visitors should consult official government resources and qualified professionals before making healthcare enrollment or coverage decisions.

19. Tax Disclosure

Tax-related content is general and educational.

Unless expressly stated in a written engagement with an appropriately qualified professional, Ulloa Financial does not:

• Prepare tax returns

• Represent taxpayers before the IRS

• Provide legal tax opinions

• Guarantee tax savings

• Determine a visitor’s tax liability

• Provide individualized tax advice

Tax laws and interpretations can change, and their application depends on individual circumstances.

The IRS cautions that general guidance may not address a taxpayer’s specific facts and that the governing law controls when general information and individual circumstances differ. (IRS)

Clients should consult a certified public accountant, enrolled agent, attorney, or other qualified tax professional.

20. Legal and Estate Planning Disclosure

Estate planning content is educational and is not legal advice.

Ulloa Financial does not draft:

• Wills

• Trusts

• Powers of attorney

• Healthcare directives

• Business agreements

• Deeds

• Legal instruments

Legal documents should be prepared and reviewed by a qualified attorney.

Estate planning strategies may involve legal, tax, financial, insurance, and family considerations. Coordination among the client’s attorney, tax professional, and financial professional may be appropriate.

21. Tax and Legal Professional Coordination

Ulloa Financial may coordinate with independent attorneys, accountants, enrolled agents, tax professionals, or other specialists.

Unless expressly disclosed:

• These professionals are independent

• They are not employees of Ulloa Financial

• Ulloa Financial does not control their professional judgment

• Their services may involve separate fees and agreements

• Clients remain responsible for selecting and evaluating their professionals

A referral or introduction does not guarantee the quality, outcome, or suitability of another professional’s services.

22. Business Planning Disclosure

Business planning content is educational and may address:

• Business continuity

• Key-person risk

• Buy-sell funding

• Succession planning

• Employee benefits

• Retirement plans

• Insurance

• Ownership transitions

• Personal and business financial coordination

Business planning may involve legal, tax, valuation, lending, insurance, and regulatory considerations.

Business owners should consult qualified attorneys, accountants, valuation professionals, lenders, insurance professionals, and other appropriate advisers before implementing a strategy.

23. Debt and Cash Flow Disclosure

Debt and cash flow information is intended to help visitors organize and evaluate financial decisions.

It does not constitute:

• Credit counseling

• Debt settlement services

• Bankruptcy advice

• Legal advice

• A guarantee that a repayment strategy will improve credit

• A promise that debt can be eliminated within a particular period

Consumers experiencing financial hardship should consult qualified credit, legal, tax, or financial professionals.

24. Market Compass and Market Commentary

Market Compass and other market-related content are provided for education and perspective.

Market commentary may discuss:

• Equity markets

• Bond markets

• Interest rates

• Inflation

• Economic indicators

• Federal Reserve policy

• Corporate earnings

• Geopolitical events

• Market risks

• Investor behavior

This content:

• Is not a prediction

• Is not a recommendation

• Is not a solicitation to buy or sell a security

• May become outdated quickly

• Reflects information and interpretations available at the time of publication

• May not account for every relevant development

Visitors should not make investment decisions solely from a market update, video, article, or social media post.

25. Downloadable Guides and Checklists

Guides, worksheets, checklists, and educational documents are general planning tools.

They:

• May not address every relevant issue

• May not reflect current laws in every state

• Are not substitutes for professional advice

• Do not establish a client relationship

• Do not guarantee a particular outcome

Visitors should verify information and consult the appropriate professional before acting.

26. Calculators and Projections

Calculators, projections, and hypothetical examples depend on assumptions.

Actual results may differ due to:

• Taxes

• Fees

• Market performance

• Inflation

• Interest rates

• Timing

• Contributions

• Withdrawals

• Insurance charges

• Policy performance

• Legal or regulatory changes

Calculator results should not be interpreted as personalized advice or a guarantee.

27. Testimonials, Reviews, and Endorsements

Testimonials and reviews reflect the experiences and opinions of the individuals providing them.

They do not guarantee that another client will have the same experience or achieve a similar result.

A testimonial should not be interpreted as:

• A guarantee

• A promise

• A statement of investment performance

• Proof that a service is appropriate for everyone

Any compensation, affiliation, or material relationship involving a testimonial or endorsement should be clearly disclosed.

If Ulloa Financial becomes subject to the SEC investment adviser marketing rule, testimonials and endorsements must comply with applicable disclosure, oversight, and disqualification requirements. (SEC)

28. Third-Party Content and Links

Links to third-party websites are provided for convenience or educational purposes.

Ulloa Financial does not control and is not responsible for:

• Third-party content

• Accuracy

• Security

• Privacy practices

• Products

• Services

• Availability

• Opinions

A link does not necessarily indicate endorsement, affiliation, sponsorship, or approval.

29. Professional Designations

Professional designations and credentials should be understood according to the standards and requirements of the organizations that issue them.

A designation does not:

• Guarantee future results

• Replace appropriate licensing or registration

• Mean that a government agency endorses the professional

• Establish that every service is available in every jurisdiction

Credential information should be independently verified when appropriate.

30. Nationwide Services and State Availability

Ulloa Financial may provide educational information and certain services nationwide.

Regulated services are offered only in jurisdictions where Ulloa Financial and the participating professional are properly licensed, registered, authorized, or exempt from applicable requirements.

Insurance licensing, carrier appointments, product availability, and contract terms vary by state.

Accessing the website from a particular location does not mean that every service or product is available there.

31. No Government Affiliation

Unless expressly stated, Ulloa Financial is not affiliated with, endorsed by, or sponsored by:

• The Securities and Exchange Commission

• FINRA

• The Social Security Administration

• Medicare

• The Internal Revenue Service

• Any federal or state agency

• Any bank or credit union

• Any insurance carrier

• Any professional association

Government agencies do not approve or endorse investment firms, financial professionals, securities, services, or professional credentials. (Investment Adviser Public Disclosure)

32. Errors, Updates, and Changes

Ulloa Financial seeks to provide accurate and useful information, but does not guarantee that every statement is complete, current, or error-free.

Financial laws, tax rules, products, markets, and regulations may change.

Website information may be revised, removed, or replaced without notice.

Visitors are responsible for verifying information before relying on it.

33. Contact Information

Questions about these disclosures may be directed to:

Ulloa Financial, LLC
Attn: Compliance or Website Disclosures
14342 SW 43 Ter
Miami, FL 33175
United States

Email: info@ulloafinancial.com
Telephone: (305) 479-4734
Website: www.ulloafinancial.com