Educational purpose only: All information presented on this website, including any consultation, session, or communication with Melissa Bonilla, is for general educational and informational purposes only. Nothing on this site constitutes a recommendation, solicitation, or offer to buy or sell any insurance or financial product, or to engage in any specific investment or planning strategy.
Insurance & annuity products: Annuities are insurance contracts issued by insurance companies and are subject to fees, expenses, surrender charges, holding periods, and other limitations and restrictions. Product features, benefits, riders, guarantees, and availability vary by product, issuer, and state. All guarantees are based solely on the claims‑paying ability of the issuing insurance company and are not guaranteed by any bank, the FDIC, SIPC, or any government agency. Annuities are not deposits and may lose value depending on product type and circumstances.
Suitability: Annuities and other retirement income strategies are not suitable for all individuals. Suitability depends on each person's age, financial situation, time horizon, liquidity needs, risk tolerance, tax situation, and other factors. You should carefully consider product features, costs, and limitations before purchasing any insurance or annuity contract. Withdrawals prior to age 59½ may be subject to a 10% federal income tax penalty in addition to ordinary income tax.
No tax or legal advice: Melissa Bonilla does not provide tax, legal, or accounting advice. You should consult your own qualified tax, legal, and accounting professionals before engaging in any transaction or implementing any strategy discussed on this site.
Licensed insurance professional: Melissa Bonilla is a licensed insurance professional. Insurance and annuity products are offered only in states where Melissa Bonilla is properly licensed and appointed. This site is not an offer to sell or a solicitation to buy any product in any jurisdiction where such offer or solicitation would be unlawful.
Past performance & forward‑looking statements: Past performance is not indicative of future results. Any hypothetical examples or illustrations are for educational purposes only and do not represent actual results. Forward‑looking statements involve assumptions and are not guarantees of future outcomes.
Testimonials: Any testimonials presented reflect individual experiences and do not guarantee future results. No compensation was provided in exchange for testimonials unless expressly disclosed.