Disclosures

Company Status & Regulatory Position

1

Illuminated Insights LLC is an education- and reflection-based services company. The Company is not a financial advisory firm, broker-dealer, registered investment advisor (RIA), insurance agency, or fiduciary, and does not hold itself out as such.

Illuminated Insights LLC does not provide regulated financial advice and does not engage in activities requiring licensure under federal or state securities, insurance, or investment advisory laws.

Scope of Financial-Related Services

2

Governing Law

Any financial-related services offered by Illuminated Insights LLC are strictly educational and coaching-based, and may include:

  • Financial literacy education

  • Budgeting frameworks and financial organization tools

  • Values clarification related to money and decision-making

  • General decision-support education

  • Confidence-building and financial self-efficacy development

These services are intended to support understanding and informed self-direction, not to prescribe, direct, or implement financial actions.

Illuminated Insights LLC does not:

  • Provide individualized investment advice

  • Recommend, select, or evaluate specific securities, funds, insurance products, or financial instruments

  • Provide tax, legal, estate planning, or accounting advice

  • Act as a fiduciary or discretionary decision-maker

  • Execute transactions or manage assets on behalf of clients

All financial decisions remain solely the responsibility of the client.

No Financial Products, Sales, or Compensation

3

Illuminated Insights LLC does not sell financial products, receive commissions, referral fees, or third-party compensation from financial institutions, nor maintain incentive-based relationships related to financial recommendations. All services are offered on a fee-for-service basis, with transparent pricing and clearly defined scope.

Relationship with Licensed Professionals

4

Educational services provided by Illuminated Insights LLC do not replace the role of licensed financial, legal, tax, or investment professionals.

Clients are encouraged to consult appropriately licensed professionals before making significant financial decisions. Any suggestion to seek outside professional support is educational in nature and does not constitute direction, endorsement, or advice.

Reflective & Integrative Practices

5

Reflective practices such as journaling, symbolism recognition, values inquiry, or guided reflection may be incorporated into financial education services to support clarity and alignment.

These practices are:

  • Non-predictive

  • Non-directive

  • Non-diagnostic

They do not substitute for professional financial analysis, advice, or planning.

6

This policy may be amended, clarified, or updated at the discretion of Illuminated Insights LLC to reflect changes in law, scope, certification status, or business operations.

  • Amendments apply prospectively unless otherwise stated

  • Prior versions remain effective for services rendered during their applicable period

  • Material changes will be reflected in published disclosures

Client Responsibility & Acknowledgment

7

By engaging in financial education or coaching services with Illuminated Insights LLC, clients acknowledge and agree that:

  • Services are educational and facilitative only

  • No financial advice or product recommendations are provided

  • The Company bears no responsibility for individual financial decisions or outcomes

This disclosure aligns with the Company’s Operating Agreement, pricing disclosures, and ethical boundaries governing liability and scope of practice.

Amendments & Policy Governance

8

This policy shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to conflict-of-law principles. Services may be offered to clients outside Ohio where permitted by law, subject to the same scope limitations and disclosures.