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Disclosure 

Pathway To Retire LLC is licensed as an Insurance Agency in the State of Florida.

Dean Statler is a licensed Life, Health, and Annuity agent in Florida (License Number: P069240) and is Transitioning his registration as an Investment Advisor Representative by the State of Florida.

Investment advisory services are provided through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Pathway To Retire LLC (PTR) operate independently. For a full description of investment risks, fees, and services, please review the Virtue Capital Management firm brochure (ADV Part 2A), available from your Investment Advisor Representative or by contacting Virtue Capital Management. This information is not intended as tax or legal advice and should not be used as such. You are encouraged to seek tax or legal advice from an independent professional. The content on this website is for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and investment strategies involve risks, including the potential loss of principal. There is no guarantee that any investment strategy will achieve its objectives.

Insurance companies are evaluated based on their financial strength by external rating agencies. These ratings are subject to change, so consumers should verify them diligently. Not all established insurance companies have an "A" rating.

PTR is not affiliated with or endorsed by the Social Security Administration, Centers for Medicare & Medicaid Services (CMS), or any other government agency. Any comments regarding safe and secure investments and guaranteed or protected income streams refer only to fixed insurance products, not securities or investment advisory products. Fixed Insurance and Annuity product guarantees depend on the issuing company's claims-paying ability and are not offered by VCM.

Insurance and annuity products are not sold through Virtue Capital Management, LLC (VCM), and VCM does not endorse or guarantee any annuity or insurance product's performance.  Indexed or fixed annuities are not intended for short-term investments and may be subject to caps, restrictions, fees, and surrender charges as specified in the annuity contract. Any guarantees mentioned are supported by the issuing insurance company's financial strength and claims-paying ability.

Fiduciary duty applies solely to investment advisory advice and does not extend to other activities, such as insurance or broker-dealer services. Advisory clients are charged a monthly fee for assets under management, while insurance products pay a commission, potentially creating a conflict of interest regarding compensation. Clients are not obligated to purchase products on a commissionable basis through the IAR. Additionally, the IAR may receive other compensation, such as fixed or variable life trails. The potential for commissions and other compensation when the IAR acts as an insurance agent may incentivize the IAR to recommend insurance products based on the compensation received.

The S&P 500 index is a broad-based, unmanaged leading indicator of U.S. equities, meant to reflect the risk/return characteristics of the large-cap universe or the equity market in general. This index does not account for fee deductions and is not available for direct investment. Exposure to an asset class represented by an index is accessible through investable instruments based on that index.

All communication with PTR may be recorded for compliance purposes. Opt out of phone, SMS, and email communication anytime by replying or sending notice to info@PathwayToRetire.com.

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