Terms of Use

Effective date: June 9, 2026

Acceptance of terms

By accessing or using MyLTCStrategy.com (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site. The Site is operated by Consilio Financial Services, LLC under the My LTC Strategy brand.

Educational use only

The Site is provided for general educational purposes related to long-term care planning and insurance-based funding strategies. Nothing on the Site constitutes individualized financial, legal, tax, accounting, medical, Medicare, insurance, or care advice. You should consult appropriately licensed professionals regarding your specific circumstances.

No guarantee of outcomes

We make no representations or guarantees regarding eligibility for any product, approval by any carrier, premium amounts, benefits, coverage availability, or planning outcomes. All such matters depend on individual facts, underwriting, state availability, and carrier requirements.

Your responsibility

You are responsible for evaluating information on the Site in light of your own situation and for consulting your own professional advisors before making any financial, legal, tax, medical, or insurance decision.

Intellectual property

All content on the Site, including text, graphics, logos, and design, is owned by Consilio Financial Services, LLC or its licensors and is protected by applicable intellectual property laws. You may not reuse, reproduce, or redistribute Site content without prior written permission.

Third-party links

The Site may contain links to third-party websites for convenience and educational reference only. We do not control and are not responsible for the content, accuracy, or practices of third-party sites, and a link does not imply endorsement.

Limitation of liability

To the fullest extent permitted by law, Consilio Financial Services, LLC and its principals will not be liable for any indirect, incidental, consequential, or special damages arising out of or related to your use of the Site or any information obtained through it.

Governing law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles.

Changes to these terms

We may update these Terms from time to time. The effective date above will reflect the most recent revision. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact

Questions about these Terms may be directed to chip@myltcstrategy.com.