Disclosure
T-Bridge Finance LLC
Effective Date: October 22, 2026
Last Updated: October 22, 2026
1. General Disclosure
T-Bridge Finance LLC (“T-Bridge Finance,” “we,” “our,” or “us”) provides insurance guidance and financial planning-related services to individuals and families seeking to protect their income, plan for retirement, fund education, and preserve wealth for future generations.
The information provided on https://t-bridgefinancellc.com/ is intended for general informational and educational purposes. While we strive to provide clear, relevant, and useful information, website content should not be interpreted as a guarantee of financial results or as a substitute for advice tailored to your individual circumstances.
Your financial situation, objectives, eligibility, and needs may differ from those of other individuals and families. You should carefully consider your circumstances and review relevant product documents before making financial or insurance decisions.
2. Insurance Licensing and Scope of Services
T-Bridge Finance’s website identifies its principal financial professional as a licensed insurance professional in Maryland. The website lists the individual’s Maryland Insurance License number and National Producer Number.
Insurance services are subject to applicable state licensing laws, appointment requirements, product availability, and other regulatory requirements.
The availability of a particular insurance product or service depends on the relevant jurisdiction, the professional’s applicable authority, the insurance provider, and the circumstances of the individual seeking coverage.
Nothing on this website should be interpreted as representing that T-Bridge Finance LLC or any individual associated with it is authorized to provide every type of financial, investment, insurance, or advisory service in every jurisdiction.
Visitors may independently verify insurance producer and agency licensing through the Maryland Insurance Administration or the relevant state insurance regulator.
3. No Guarantee of Financial Results
T-Bridge Finance LLC does not guarantee that any insurance product, retirement strategy, wealth preservation approach, or financial planning recommendation will achieve a particular outcome.
References to financial security, wealth building, retirement readiness, tax advantages, legacy planning, or generational wealth represent planning objectives and potential benefits, not guaranteed results.
Actual outcomes may depend on:
Your personal financial circumstances and decisions.
The terms and conditions of the relevant product or contract.
Applicable fees, charges, and expenses.
Interest rates, market conditions, and other economic factors.
Insurance underwriting, eligibility, and policy requirements.
Changes in tax laws, regulations, and other legal requirements.
The performance and financial condition of relevant third-party providers.
Examples, illustrations, projections, and hypothetical scenarios are provided to help explain concepts. They should not be treated as promises of future performance or results.
4. Insurance Products and Policy Benefits
Information about life insurance, health insurance, mortgage protection, disability coverage, critical illness coverage, final expense insurance, long-term care planning, indexed universal life insurance, and other insurance-related products is provided for general educational purposes.
Actual coverage, benefits, exclusions, limitations, premiums, cash values, and other policy features are determined by the applicable insurance contract and the issuing insurer.
Important considerations include:
Coverage is subject to the terms of the issued policy.
Applications may be subject to underwriting, eligibility requirements, and insurer approval.
Premiums, fees, and policy charges may apply.
Certain benefits or policy features may be conditional or non-guaranteed.
Policy loans, withdrawals, or changes may affect benefits, cash values, or the continued validity of a policy.
Policy illustrations do not necessarily represent actual future performance.
You should review the relevant policy documents and disclosures carefully and ask questions about costs, risks, limitations, and alternatives before purchasing coverage.
A description of an insurance product on this website does not constitute an offer of coverage or confirmation that an application will be accepted.
5. Indexed Universal Life Insurance and Indexed Annuities
T-Bridge Finance may discuss indexed universal life insurance, indexed annuities, and other insurance-based strategies as part of financial protection or long-term planning discussions.
These products have specific contractual provisions and may involve complex costs, restrictions, and risks.
For example, interest credited under an indexed insurance product may be determined by a contractual formula involving an external market index. This does not mean that the policyholder directly owns the index or participates fully in its performance.
Depending on the product, features may include participation rates, caps, spreads, charges, surrender periods, or other contractual conditions.
Indexed universal life insurance is life insurance, not a direct investment in a stock market index. Cash value growth, where applicable, is subject to the policy’s terms, charges, and crediting provisions.
Indexed annuities may provide certain contractual guarantees, but these depend on the specific contract and the financial strength and claims-paying ability of the issuing insurer. They may also involve surrender charges, withdrawal restrictions, fees, and other limitations.
No particular product should be assumed to be appropriate for every individual. You should understand its costs, liquidity limitations, risks, and alternatives before proceeding.
6. Retirement Planning and 401(k) Rollovers
Information about retirement planning, annuities, individual retirement accounts, employer-sponsored retirement plans, and 401(k) rollovers is intended to support general education and informed decision-making.
A rollover or transfer may have consequences relating to fees, investment choices, creditor protections, tax treatment, withdrawal flexibility, and benefits available under an existing retirement plan.
Moving retirement assets is not necessarily advantageous in every situation.
Before making a rollover or retirement-related decision, consider comparing the costs, features, restrictions, and potential consequences of available alternatives. Where appropriate, seek advice from a qualified tax professional or appropriately authorized financial adviser.
T-Bridge Finance does not guarantee a particular retirement income, investment outcome, or level of financial security.
7. Tax Information and Tax-Advantaged Strategies
References to tax advantages, tax-efficient planning, life insurance, retirement accounts, education savings plans, trusts, or other tax-related strategies are for general informational purposes.
Tax treatment depends on the relevant product, individual circumstances, applicable law, and the requirements governing the strategy.
Tax benefits may be subject to conditions, limitations, reporting obligations, or changes in legislation. Certain transactions may produce unexpected tax consequences if not structured or implemented correctly.
Nothing on this website constitutes individualized tax advice or a guarantee that a particular strategy will produce tax-free income, deductions, exemptions, or other tax benefits.
You should consult a qualified tax professional regarding the tax implications of any strategy before implementing it.
8. Estate Planning, Trusts, and Legal Matters
T-Bridge Finance may discuss estate planning, trust planning, beneficiary coordination, and legacy preservation as components of broader financial planning.
These topics involve legal considerations that depend on individual circumstances and applicable federal and state laws.
Information published on this website does not constitute legal advice and does not establish an attorney-client relationship.
T-Bridge Finance does not replace the role of a qualified attorney in preparing legal documents, interpreting legal rights, establishing trusts, or advising on estate administration.
Trusts and other estate planning arrangements may involve legal, administrative, tax, and ongoing maintenance requirements. Their effectiveness depends on appropriate drafting, execution, funding, and administration.
You should consult a qualified estate planning attorney and other relevant professionals before establishing or modifying a trust, will, or other legal arrangement.
9. Compensation and Potential Conflicts of Interest
Depending on the products offered and the arrangements in place, T-Bridge Finance LLC or the professionals involved in providing services may receive compensation, commissions, referral fees, or other remuneration associated with certain insurance products or transactions.
The form and amount of compensation may vary by product, provider, contractual arrangement, and applicable law.
Where applicable, compensation arrangements may create incentives to recommend one product or provider over another. We recognize the importance of transparency and encourage clients to ask questions about how a recommended product works, what it costs, and how the parties involved may be compensated.
Any required compensation disclosures will be provided in accordance with applicable law and the requirements governing the relevant transaction.
Before publication: T-Bridge Finance LLC should confirm its actual compensation and referral arrangements and revise this section to accurately describe them. This disclosure should not imply that a particular compensation arrangement exists if it does not.
10. Third-Party Insurance Companies and Service Providers
Certain insurance products, financial products, or related services discussed by T-Bridge Finance may be provided, issued, administered, or supported by independent third-party organizations.
T-Bridge Finance does not control every aspect of the operations, financial condition, underwriting decisions, claims decisions, product terms, or service quality of independent providers.
Unless expressly stated in a binding agreement, references to a third-party provider do not constitute a guarantee of that provider’s performance or an assurance that a particular application, claim, or transaction will be approved.
Insurance guarantees, where applicable, are subject to the terms of the relevant contract and the claims-paying ability of the issuing insurer.
You should review the identity, terms, disclosures, and relevant financial information of the provider before entering into an agreement.
11. Educational Content and External Resources
Our website may include articles, explanations, examples, links, and other educational resources relating to insurance, retirement, college funding, estate planning, and wealth preservation.
We aim to make this information useful and understandable. However, information may become outdated or may not address every relevant exception, legal change, or individual circumstance.
External links are provided for convenience or additional reference. T-Bridge Finance LLC does not necessarily control or endorse the content, accuracy, products, or services of external websites.
You should independently assess information before relying on it to make a financial, insurance, tax, or legal decision.
12. Privacy and Confidentiality
T-Bridge Finance LLC takes the handling of personal information seriously.
Information submitted through our website is handled in accordance with our Privacy Policy and applicable legal requirements.
However, submitting information through a website contact form or ordinary email should not be assumed to create legally privileged communication or guarantee absolute confidentiality.
Please do not submit Social Security numbers, account credentials, detailed medical records, or other highly sensitive information through a general contact form or unsecured communication channel.
Where a service requires additional personal or financial information, we may direct you to an appropriate process and provide any additional notices or authorizations required by law.
13. No Offer or Solicitation in Restricted Jurisdictions
Information on this website is intended to describe the general services of T-Bridge Finance LLC.
The publication of information about a product or service does not mean that the product or service is available to every visitor or in every jurisdiction.
Any offer, recommendation, application, or transaction is subject to applicable licensing requirements, regulatory restrictions, provider eligibility criteria, and other relevant conditions.
Visitors should confirm that the relevant service is available and may lawfully be provided in their jurisdiction before proceeding.
14. Limitation of Reliance
To the extent permitted by applicable law, T-Bridge Finance LLC is not responsible for decisions made solely on the basis of general website content without consideration of the individual’s circumstances and the relevant product documentation.
Nothing in this disclosure excludes or limits a legal responsibility that cannot lawfully be excluded or limited.
Any services provided under a separate signed agreement remain subject to the terms of that agreement and applicable law.
15. Updates to This Disclosure
We may revise this Disclosure periodically to reflect changes in our services, products, business practices, or applicable legal requirements.
Any revision will be reflected by updating the “Last Updated” date at the beginning of this page. Where required, we will provide additional notice or obtain consent before implementing relevant changes.
Visitors are encouraged to review this page periodically.
16. Contact Information
For questions concerning this Disclosure or the information presented on our website, please contact:
T-Bridge Finance LLC
Office Address:
16701 Melford Boulevard
Bowie, Maryland 20715
United States
Telephone: +1 (217) 572-3330
Email: info@t-bridgefinancellc.com
Website: https://t-bridgefinancellc.com/
Please include “Disclosure Enquiry” in the subject line of your email.
This Disclosure provides general information about the nature and limitations of T-Bridge Finance LLC’s website content and services. It does not replace any specific insurance disclosure, product illustration, compensation disclosure, privacy notice, client agreement, or other document required by applicable law.
