Disclaimer

About Summa Planning Group

Summa Planning Group is an insurance planning practice serving families and business owners who carry long-term responsibilities. We work with families raising a child or dependent with long-term support needs, households caring for aging parents and children at the same time, and business owners planning for continuity.

Content on this website, including articles, videos, guides, and the Responsibility Readiness Assessment™, is provided for general educational and informational purposes. It is not a substitute for an individualized review of your circumstances.

What We Do

Summa Planning Group provides insurance planning, including:

• Income protection and living benefits strategies
• Extended care planning
• Trust funding strategies using life insurance
• Business continuity planning, including key-person and buy-sell funding
• Coordination with the attorneys, CPAs, and other professionals you already work with

What We Do Not Do

Summa Planning Group does not provide:

• Investment advice or securities recommendations
• Legal advice, estate planning documents, or trust drafting
• Tax preparation or tax advice
• Clinical, medical, or therapeutic advice

Michael Pereira is not a Certified Financial Planner (CFP®), Registered Investment Adviser (RIA), or fiduciary investment adviser, and does not manage assets.

About Michael Pereira

Michael Pereira is the founder of Summa Planning Group and a Licensed Life and Health Insurance Agent.

• MBA
• Certified Exit Planning Advisor (CEPA®)

Resident state: Florida (License #W747110). Non-resident licenses held in CA (#4264967), AZ, GA, LA, MS, NJ, NM, NC, OH, TX, and UT. Additional state licensing available upon request.

Nothing on this website is an offer to sell insurance in any state where Michael Pereira is not licensed.

Products and Guarantees

Insurance and fixed annuity products are offered through Summa Planning Group and issued by third-party insurance carriers. Any guarantees referenced are subject to the claims-paying ability of the issuing carrier. Product features, availability, costs, riders, and provisions vary by carrier, product, and state, and are subject to change.

Policy illustrations are projections based on assumptions that are not guaranteed. They are not promises of future performance, and actual results will differ.

Any recommendation requires a review of your individual circumstances and is subject to carrier underwriting and approval.

The Responsibility Readiness Assessment™

The Assessment is an educational self-assessment tool. Your score and results are general in nature, are based solely on the answers you provide, and do not constitute an individualized recommendation, a complete review of your circumstances, or a guarantee of any outcome. Results should not be relied upon as the sole basis for any financial, legal, or insurance decision.

The Responsibility Review™

A Responsibility Review™ is a review-first conversation about what you already have in place. Requesting one creates no obligation to purchase anything, and not every conversation results in a recommendation.

Testimonials

Any testimonials appearing on this website reflect the individual experience of the person providing them. They are not paid unless otherwise disclosed, and they are not a guarantee or indication that any other person will experience the same results.

Coordination with Other Professionals

We work alongside attorneys, CPAs, investment professionals, trustees, and other specialists. We do not provide the services those professionals provide, and references to coordination do not constitute an endorsement of, or responsibility for, the work of any other professional. You should consult licensed professionals for personalized legal, tax, investment, and medical guidance.

General Disclaimer

The information provided on this website is not a substitute for meeting with licensed and certified professionals. Summa Planning Group and Michael Pereira specifically disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, through the use of any information contained in any content, posts, articles, videos, or resources on this website.

Summa Planning Group does not endorse or recommend any external companies, products, services, or professionals linked from this website.