Disclosures & Terms of Use

The information provided on this website and in any associated materials is for general informational and educational purposes only and is not intended as a specific investment recommendation or personalized financial, tax, or legal advice. Use of this site does not create an advisory, brokerage, or agency relationship between you and ICS Financial, Inc., Ameritas Investment Company, LLC (AIC), or Ameritas Advisory Services (AAS).

All content is provided "as is" without warranty of any kind, express or implied. ICS Financial does not guarantee the accuracy, completeness, or timeliness of any information presented. Past performance is no guarantee of future results. Investing involves risk, including the potential loss of principal.

By accessing this site, you acknowledge that you are responsible for evaluating the suitability of any information or strategy discussed and for consulting appropriate professional advisors before making investment decisions.

Products and services are limited to residents of states where the representative is registered. This website is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction.

Advisory services offered through Ameritas Advisory Services (AAS).

Client story is a representative composite for illustrative purposes. Individual circumstances vary.

Industry studies show that professionally managed 401(k)s on average earn 3.32% more than participant-managed accounts according to the "Help in Defined Contribution Plans: 2006 Through 2012" study conducted by Financial Engines and Aon Hewitt. Past performance does not guarantee future results. Individual results will vary.

Representatives offer products and services using the following business names: ICS Financial, Inc. – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with ICS Financial, Inc. or any other entity mentioned herein.

Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

The Self-Directed Brokerage Account (SDBA) is provided for informational and educational purposes only and should not be considered a specific investment recommendation. Investing through an SDBA involves substantial risk, including the potential loss of principal, and is designed solely for experienced investors capable of independently evaluating and managing their market risks.

Fiduciary & Monitoring Status: Investments available within the SDBA window are not vetted, managed, or monitored by your Plan Sponsor, Plan Trustees, or [Firm Name] fiduciaries. You assume sole responsibility for determining the suitability of any securities traded.

Fees & Expenses: SDBAs are subject to additional layers of cost not associated with core plan choices. These may include an annual brokerage window fee of [$X], transaction commissions, and underlying fund fees (expense ratios). These costs will directly reduce net investment returns.

Promoter Disclosure: [If applicable] Representatives promoting this service may receive compensation based on account enrollment or asset transfers. This creates a material conflict of interest as they have a financial incentive to recommend the SDBA over core plan alternatives. Past performance is no guarantee of future results.