Disclosure

1. Licensing & Regulatory Status

Scott R. Borhauer is a Minnesota-resident licensed insurance professional with non-resident licenses across all 50 states and the District of Columbia. Status of any individual state license is subject to renewal cycles. To verify the current status of any license, please visit the National Insurance Producer Registry at nipr.com or contact the applicable state insurance department.

While Smart Life Financial LLC is not itself registered as an RIA or broker-dealer, our firm operates under an established broker-dealer partner channel. Through this partnership, we are able to provide securities advice, manage investment portfolios, and execute securities transactions upon request. We specialize in comprehensive retirement income planning that integrates both insurance-based products and securities strategies tailored to your needs.

2. Informational Purposes Only

The information, content, calculators, and materials provided on this website are for general educational and informational purposes only. Nothing on this website constitutes financial, investment, tax, or legal advice, and should not be relied upon as such.

Individual financial situations vary significantly. Before making any financial decision, you should consult with a qualified financial, tax, or legal professional who can evaluate your specific circumstances, goals, and risk tolerance.

3. Calculator & Projection Disclaimer

The retirement calculators, Roth conversion tools, and any other financial projection tools available on this website are provided for illustrative purposes only. They are based on simplified assumptions and do not account for all variables that may affect your financial outcome, including but not limited to:

• Changes in tax laws or rates
• Investment returns, which are not guaranteed
• Inflation and cost-of-living changes
• Healthcare and long-term care costs
• Social Security benefit changes
• Individual health, life expectancy, and personal circumstances

Results from any calculator or tool on this site are not a guarantee, promise, or prediction of future performance. Past performance of any financial product or strategy is not indicative of future results.

4. Compensation Disclosure

Smart Life Financial LLC may receive compensation in the form of commissions, fees, or other remuneration from insurance carriers or financial product providers when clients purchase products or services through us. This compensation does not result in additional cost to you beyond what the product itself carries.

We are committed to recommending products and strategies that we genuinely believe are suitable for each client's individual situation. However, you should be aware of this compensation structure when evaluating our recommendations.

Initial retirement planning consultations and custom retirement roadmaps are provided at no cost and with no obligation.

5. Product Availability

Not all products, strategies, or services described on this website are available in every state or suitable for every individual. Product availability, features, and eligibility requirements vary by state, carrier, and individual circumstances. Contact us directly to confirm availability and suitability for your situation.

6. No Client Relationship Without Agreement

Visiting this website, submitting a contact form, or scheduling a consultation does not establish a client relationship, fiduciary duty, or any contractual obligation between you and Smart Life Financial LLC. A formal client relationship is only established upon execution of a written agreement.

7. Third-Party Content & Links

This website may reference third-party organizations, products, research, or include links to external websites. These references do not constitute an endorsement of any third party. Smart Life Financial LLC is not responsible for the accuracy, content, or practices of any third-party site or resource.

8. Intellectual Property

All content on this website — including text, graphics, calculators, tools, logos, and downloadable materials — is the copyrighted property of Smart Life Financial LLC or its licensors. Unauthorized reproduction, distribution, or use of any content is strictly prohibited without prior written consent.

9. Changes to This Disclosure

We reserve the right to update or modify this Disclosure at any time. Changes will be reflected by an updated effective date at the top of this page. Continued use of this website following any changes constitutes your acceptance of the revised Disclosure.

10. Contact Us

For questions about this Disclosure or our services, please contact us: