Skyline helps explain retirement decisions.
Educational content and digital tools are designed to help consumers understand questions, tradeoffs and planning considerations.
Disclosures
Understand the relationships behind the Skyline experience.
Skyline Retirement combines education, technology, specialized analyses and pathways to professional guidance. These disclosures explain important distinctions about the information, tools and professional relationships consumers may encounter through Skyline.
The Key Distinctions
Three things consumers should understand.
Analysis does not automatically equal advice.
A questionnaire, algorithm, AI explanation or digital result does not by itself create a financial plan or individualized professional recommendation.
Professional relationships are separate.
When a consumer works with a financial professional, that relationship may involve separate firms, agreements, disclosures and regulatory responsibilities.
Important Information
About Skyline Retirement
The information below describes the general role of Skyline Retirement, its educational resources, technology-assisted experiences and pathways to professional guidance. Specific services or professional relationships may be subject to additional agreements and disclosures.
1. Educational Purpose
Skyline Retirement is designed primarily as a consumer retirement education and decision-support platform.
Skyline content may explain retirement planning concepts, taxes, retirement income, Social Security, Medicare, required minimum distributions, investments, annuities, estate and legacy considerations and other retirement-related topics.
General educational content is not intended to account for every fact relevant to an individual consumer's financial situation and should not be treated as individualized financial, investment, tax or legal advice.
2. No Automatic Investment Advisory or Professional Relationship
Using Skyline's websites, educational resources, questionnaires, analyses or AI-assisted experiences does not by itself establish an investment advisory, fiduciary, attorney-client, tax-preparation, accounting or other professional relationship.
A separate professional relationship may arise only through the applicable agreement, engagement, disclosure or consent process associated with a particular financial professional or service.
3. Retirement Analyses and Digital Tools
Skyline may provide digital tools including the Retirement Checkup, Roth Conversion Analysis, Annuity Analysis and other educational experiences.
These tools may use information provided by a consumer to generate educational observations, classifications, questions for further consideration or possible areas to review.
Results should not be interpreted as a guarantee, comprehensive financial plan, formal suitability determination or individualized instruction to enter into a financial transaction.
The Retirement Checkup is designed to organize retirement considerations
into a Retirement Action Map rather than present a consumer-facing
0–100 financial or retirement score.
4. Artificial Intelligence
Skyline may use artificial intelligence to support retirement education, explanation, contextualization, analysis and navigation.
AI-generated or AI-assisted information can contain errors, omit relevant facts or rely on information that later becomes outdated. Consumers should not treat AI output as a substitute for individualized professional judgment.
Skyline AI should not be understood as an autonomous financial advisor, fiduciary, attorney, tax professional or replacement for an appropriately qualified professional when individualized advice is required.
For additional information about Skyline's approach to artificial intelligence, review our Responsible AI principles.
5. Roth Conversion Analysis
Skyline may provide a technology-assisted Roth Conversion Analysis intended to help consumers explore whether a Roth conversion is a retirement planning topic worth examining more closely.
A Roth conversion analysis should not be interpreted as a statement that a consumer should complete a Roth conversion or convert a particular amount.
Roth conversion decisions can involve current and future tax rates, taxable income, conversion timing, required minimum distributions, Medicare premiums, Social Security taxation, liquidity, estate considerations and other individual circumstances.
Tax laws and individual circumstances can change. Consumers considering a Roth conversion should evaluate the tax consequences applicable to their own situation and seek qualified tax or financial guidance when appropriate.
6. Annuity Analysis
Skyline may provide an Annuity Analysis intended to help consumers examine retirement-income considerations such as predictable income, liquidity, longevity, portfolio dependence and flexibility.
An analysis result should not be interpreted as a statement that a consumer needs, should purchase or will benefit from a particular annuity or insurance product.
The features, costs, restrictions and suitability of an annuity depend on the specific product, issuing insurance company and consumer circumstances.
7. Financial Professionals and Skyline's Advisor Experience
Skyline may help consumers identify or connect with a financial professional when individualized guidance becomes relevant.
Financial professionals accessible through or associated with Skyline may operate through separate registered investment advisers, broker-dealers, insurance agencies, advisory firms or other organizations, depending on the professional and services involved.
A financial professional's inclusion in the Skyline experience should not, by itself, be interpreted as a guarantee of that professional's services, recommendations, investment performance or future results.
Consumers should review a professional's applicable registration information, agreements, fees, compensation, conflicts, disclosures and scope of services before entering into a professional relationship.
8. Referral, Marketing and Commercial Relationships
Skyline's ecosystem may include commercial relationships involving technology, advertising, marketing, lead generation, professional services, referrals or other business arrangements.
Skyline or related parties may receive compensation in connection with certain services, marketing activities, technology arrangements, introductions or other commercial relationships where permitted.
When a compensation arrangement, conflict of interest or other material commercial relationship requires disclosure, additional information may be provided in connection with the relevant service, professional relationship or consumer experience.
Consumers should review any additional disclosures provided before entering into a financial, advisory, insurance or other professional relationship.
9. Insurance and Annuity Products
Insurance and annuity products are issued by insurance companies and may be offered only through appropriately licensed insurance professionals.
Product availability, guarantees, costs, surrender charges or periods, liquidity provisions, tax treatment and suitability considerations can vary by product, carrier, state and consumer circumstances.
Any guarantees associated with an insurance product are subject to the financial strength and claims-paying ability of the issuing insurance company.
Insurance professionals may receive commissions or other compensation from insurance companies in connection with the sale of insurance or annuity products. Consumers should review the compensation and conflict disclosures applicable to the professional and product under consideration.
10. Investments and Investment Risk
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
Educational discussions of asset allocation, retirement investing, withdrawals, portfolio construction or investment concepts should not be interpreted as a recommendation to buy, sell or hold a specific security or investment strategy unless that recommendation is separately provided through an authorized professional relationship.
11. Tax and Legal Information
Skyline may provide general education regarding taxes, Roth conversions, required minimum distributions, estate considerations and other subjects that have tax or legal implications.
Skyline's general educational content is not intended to constitute individualized tax, accounting or legal advice.
Consumers should consult qualified tax, accounting or legal professionals when a decision requires advice based on individual facts or applicable law.
12. Third-Party Information and Technology
Skyline may use, integrate with or link to third-party technologies, data sources, software providers, financial professionals, educational resources or external websites.
References to third parties do not necessarily imply endorsement, ownership or control by Skyline.
Third-party services may have their own terms, privacy policies, disclosures, security practices, fees and availability limitations. Skyline does not control all third-party content or services.
13. Accuracy, Dates and Changing Rules
Skyline seeks to provide useful and reasonably current educational information, but retirement-related rules, thresholds and planning considerations change over time.
Tax rules, Medicare thresholds, Social Security provisions, contribution limits, required minimum distribution rules and other planning information may depend on the applicable calendar year, legislation, regulations or agency guidance.
Although Skyline may update information periodically, no representation is made that every page, tool or AI response reflects the most recent legal, regulatory, tax or financial development at all times.
Consumers should verify materially important current rules before relying on them for a consequential financial decision.
14. No Guarantee of Outcomes
Skyline does not guarantee investment performance, retirement outcomes, tax savings, Roth conversion results, income outcomes, insurance results, advisor performance or other financial outcomes.
Educational analysis can help identify relevant considerations, but actual outcomes depend on future events, consumer choices, financial markets, tax law, product terms and many other factors outside Skyline's control.
15. Questions About These Disclosures
If you have questions about Skyline's educational role, technology, professional relationships or these disclosures, please contact Skyline Retirement.
Skyline Retirement
1990 Main Street, Suite 750
Sarasota, FL 34236
[email protected]
Human Guidance Layer
Education and professional advice are not the same thing.
Skyline is designed to help consumers arrive at professional conversations with better questions and more context. When a financial professional provides individualized advice, that professional relationship should be understood on its own terms.
A professional's registration, licensing, fiduciary obligations, compensation, conflicts, services and responsibilities may vary. Review the applicable professional's own agreements and disclosures rather than assuming the Skyline educational experience determines those obligations.
Related Policies & Standards
Understand the broader Skyline trust framework.
Our Transparency Standard
If a relationship matters to the decision, it should not be hidden.
Skyline's goal is to help consumers understand retirement decisions before pushing toward a product or professional conversation. As the platform's commercial, technology and professional relationships evolve, its disclosures should evolve with them.