Important Disclosures

Securities Disclosure

Securities products and services are offered through registered broker-dealers. Registered representatives are licensed to conduct securities transactions. Not all products and services are available in all states.

Investment Risk Disclosure

All investments involve risk, including the potential loss of principal. The value of investments and income from them may fluctuate and you may get back less than you originally invested. Past performance is not a reliable indicator of future performance.

Mutual funds are subject to market risk and may not achieve their stated investment objectives. Municipal bonds are subject to credit risk and interest rate risk. U.S. Government securities, while backed by the full faith and credit of the U.S. government, are subject to interest rate risk.

Insurance Products Disclosure

Insurance products are offered through licensed insurance agents. Variable life insurance and variable annuities involve investment risk and are not guaranteed. Fixed and indexed insurance products are backed by the claims-paying ability of the issuing insurance company and are not FDIC insured.

Annuities Disclosure

Annuities are long-term insurance products designed for retirement purposes. Surrender charges may apply if you withdraw funds early. Variable annuities involve market risk and may result in the loss of principal. Fixed annuities guarantee principal and interest. Indexed annuities may cap growth potential.

Retirement Plans Disclosure

Contributions to qualified retirement plans may have tax implications. Tax-deferred accounts are subject to ordinary income tax upon distribution. Early withdrawals before age 59½ may be subject to a 10% IRS penalty in addition to applicable income taxes. Contribution limits are subject to annual IRS adjustments.

Education Savings Disclosure

529 plans are subject to state tax rules that vary by state. Non-qualified withdrawals are subject to federal income tax and a 10% penalty on earnings. UGMA/UTMA accounts are irrevocable gifts and become the property of the minor at the age of majority.

No Guarantee of Services

The information on this website is provided for informational purposes only and does not constitute an offer or solicitation to buy or sell any security or insurance product. Financial products and services described may not be suitable for all investors.

FINRA & SEC Compliance

Our registered representatives are subject to FINRA rules and SEC regulations. Clients may verify the registration status and disciplinary history of any registered representative at BrokerCheck.finra.org.

Contact for Compliance Matters

For questions regarding regulatory compliance or to file a complaint, please contact us at info@oceanfinancialgrp.com. Unresolved complaints may also be reported to FINRA or the SEC.