Michael Matter offers investment advisory services through Gradient Advisors, LLC (Arden Hills, MN | 877-885-0508), an investment adviser registered with the U.S. Securities and Exchange Commission. The Matter Financial Group is not a registered investment adviser and is not affiliated with Gradient Advisors, LLC. Insurance products and services are offered through Michael Matter, independent agent. The Matter Financial Group, LLC , Michael Matter and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

All co-hosts are salaried employees of Luson Media. Michael Matter compensates Luson Media for production services, including this program. Luson Media and Gradient Advisors, LLC are under common ownership. The co-host is compensated by Luson Media in his or her capacity as a production employee and is not independently compensated for recommending or endorsing any investment adviser’s services. The co-host is not a registered investment adviser, and nothing he or she says constitutes investment, tax, or legal advice.

Gradient Advisors, LLC and its investment adviser representatives do not render tax, legal, or accounting advice. Nothing on this program should be construed as such. Tax laws, contribution limits, and other figures referenced on this program are subject to change. Listeners should consult a qualified tax professional regarding their specific circumstances before making any decisions based on tax-related content, including discussions of Roth conversions, required minimum distributions, and tax deductions.

Insurance products and services, including annuities, life insurance, long-term care insurance, and hybrid life/long-term care products, are offered through Michael Matter as an independent licensed insurance agent and are not offered through Gradient Advisors, LLC. Insurance products are not FDIC-insured, carry no bank guarantee, and may lose value. Guarantees associated with fixed or indexed annuity products are backed solely by the claims-paying ability of the issuing insurance company. Annuities involve fees, surrender charges, and tax considerations. Withdrawals prior to age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax. Traditional long-term care insurance premiums may increase over time. Hybrid life/long-term care products involve tradeoffs among death benefit, long-term care benefit, and cost. Eligibility for all insurance products is subject to underwriting. Policy loans and withdrawals from life insurance products may reduce the death benefit and cash value and may result in lapse or income tax consequences. Variable life insurance is a security product and involves risk of loss. Listeners should consult a licensed insurance professional before purchasing any insurance product.

Examples, scenarios, and numerical illustrations used on this program are hypothetical and for educational purposes only. They do not represent the results of any specific investment, product, or strategy, and individual results will vary. References to third-party research and publications are believed to be from reliable sources but are not independently verified by Gradient Advisors, LLC. Market indices referenced on this program, including the S&P 500, Nasdaq, and Dow Jones Industrial Average, are unmanaged, do not reflect fees or expenses, and are not available for direct investment. Past performance of any index or investment does not guarantee future results.

The Matter Financial Group, Michael Matter, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any federal or state government agency. Social Security benefit estimates and filing strategy examples used on this program are hypothetical and for illustration only. Actual benefit amounts vary based on individual earnings history, filing age, marital status, and applicable law. Listeners should obtain a personalized benefits estimate from the Social Security Administration at ssa.gov.

Content on this program is for general educational purposes only and does not constitute personalized investment, tax, legal, insurance, retirement, or financial planning advice. Strategies and products discussed may not be appropriate for every listener. Individual suitability depends on investment objectives, risk tolerance, time horizon, and financial circumstances. All investing involves risk, including possible loss of principal. Consult a qualified financial, tax, and legal professional before making any financial decisions.