DISCLOSURES

Last Updated: September 1, 2026

The information on mergentadvisors.net is provided by Mergent Advisors LLC for informational and educational purposes. The following disclosures are intended to help visitors understand the relationships among Mergent Advisors LLC, Mergent Wealth, LLC, affiliated professionals, insurance companies, registered investment advisers, and other financial service providers with whom we may work.

Mergent Advisors LLC

Mergent Advisors LLC is a financial planning and insurance organization headquartered in Dallas, Texas.

Mergent Advisors helps individuals, families, professionals, and business owners coordinate financial decisions across areas that may include cash flow, insurance, investments, taxes, estate planning, college planning, business planning, and long-term financial independence.

Different services discussed on this website may be provided through different legal entities and financial professionals.

Mergent Advisors LLC is not a bank, broker-dealer, law firm, accounting firm, or insurance company.

Mergent Wealth, LLC

Mergent Advisors LLC is affiliated with Mergent Wealth, LLC, a registered investment adviser.

Mergent Wealth, LLC is identified in public investment adviser records under firm number 313559.

Investment advisory services, when provided, are offered only through an appropriately registered investment adviser and pursuant to the applicable investment advisory agreement.

Mergent Advisors LLC should not be understood merely from use of this website to be independently providing investment advisory services.

Registration as an investment adviser does not imply any particular level of skill, training, experience, or regulatory endorsement.

Investment Adviser and Promoter Relationships

Mergent Wealth, Mergent Advisors, their owners, or associated persons may maintain relationships with other registered investment advisers and financial service providers.

These relationships may include referral, endorsement, promoter, solicitor, consulting, or similar arrangements.

In some circumstances, Mergent Wealth, Mergent Advisors, or an associated person may receive compensation when a prospective client is introduced or referred to another registered investment adviser.

This compensation creates an economic incentive to make the referral and therefore represents a potential conflict of interest.

Compensation may include fixed payments, ongoing payments, a percentage of advisory fees, or other cash or non-cash compensation depending upon the applicable arrangement.

When required by applicable law, prospective clients will receive additional disclosures describing the material terms of the relationship, including:

• The identity of the parties involved

• The nature of the referral or promoter arrangement

• Whether compensation is being received

• The nature or method of calculating compensation

• Material conflicts of interest resulting from the arrangement

Clients and prospective clients should consider these conflicts when evaluating a referral or recommendation.

A referral to another investment adviser does not guarantee that the adviser, investment strategy, product, or service will be appropriate for a particular client.

Investment Advisory Agreements Control

Any investment advisory relationship is governed by the written agreement and regulatory disclosures of the registered investment adviser actually providing the advisory services.

Those documents may include:

• Investment advisory agreements

• Form ADV Part 2 brochures

• Form CRS, if applicable

• Promoter or endorsement disclosures

• Privacy notices

• Custodial agreements

• Other required regulatory documents

If information on this website differs from an applicable regulatory filing or signed client agreement, the applicable regulatory document or executed agreement controls.

Insurance Services

Insurance products and services may be offered through Mergent Advisors LLC and appropriately licensed insurance professionals.

Insurance professionals may be appointed with multiple insurance companies and may receive compensation in connection with the purchase or servicing of insurance products.

Compensation may include:

• Initial commissions

• Renewal commissions

• Trail compensation

• Bonuses

• Overrides

• Marketing allowances

• Other compensation permitted by applicable law

The receipt of compensation creates an economic incentive associated with the recommendation and sale of insurance products.

Insurance recommendations should therefore be considered in light of the client's individual needs, financial circumstances, objectives, available alternatives, product features, costs, and potential conflicts of interest.

Texas Insurance Disclosure

Insurance services offered to residents of Texas are provided only by individuals or entities appropriately licensed under applicable Texas insurance laws.

Insurance products are issued by third-party insurance companies and are subject to the:

• Terms of the insurance contract

• Underwriting requirements

• Policy limitations

• Exclusions

• Fees and charges

• Surrender provisions

• Financial strength and claims-paying ability of the issuing insurance company

Insurance guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurer.

Insurance products are not deposits of a bank and are not FDIC insured.

Where an insurance product contains investment components, the product may also be subject to market risk, including possible loss of value.

Insurance Company Relationships

Mergent Advisors and its associated insurance professionals may have contractual relationships with insurance carriers, brokerage general agencies, independent marketing organizations, or other insurance distribution organizations.

The availability of carriers or products may therefore vary.

Mergent Advisors does not represent that every insurance product or insurance company available in the marketplace has been evaluated.

Clients should ask about available alternatives, compensation arrangements, carrier selection, policy costs, and product features before completing an insurance transaction.

OnePlan™ Financial Planning

Mergent Advisors may use the OnePlan™ planning philosophy or process to organize and coordinate financial decisions.

OnePlan™ is a financial planning methodology and does not represent an investment product, security, insurance contract, or guarantee of a financial outcome.

Financial planning recommendations depend upon each client's circumstances and the assumptions used in the planning process.

Financial plans may address matters including:

• Cash flow

• Financial independence

• Retirement

• Investments

• Insurance

• Tax planning

• Estate planning

• College funding

• Employee benefits

• Business planning

• Business succession

• Liquidity planning

Financial planning does not eliminate financial risk or guarantee the achievement of any particular objective.

Work-Optional Planning

References on this website to becoming “work optional,” achieving financial independence, reducing reliance on employment income, or similar concepts represent financial planning objectives rather than guaranteed results.

A client's ability to reach financial independence depends upon numerous factors, including:

• Savings

• Investment performance

• Spending

• Inflation

• Taxes

• Employment

• Health

• Insurance

• Longevity

• Market conditions

• Business performance

• Changes in law

• Unexpected expenses

Actual results may differ substantially from financial projections.

Investment Risk

Investing involves risk, including the possible loss of principal.

There is no assurance that any investment strategy will achieve its objectives.

Investment values may fluctuate because of factors including:

• Market conditions

• Interest rates

• Inflation

• Economic conditions

• Company-specific events

• Political events

• Legislative changes

• Tax policy

• Liquidity

• Credit conditions

• International events

Past performance is not indicative of future results.

No investment strategy can guarantee a profit or prevent loss in every market environment.

Investment Performance

Unless specifically identified as actual client performance and presented with the required disclosures, examples of returns, projections, financial scenarios, charts, graphs, or planning outcomes appearing on this website should not be interpreted as actual investment performance.

Hypothetical, projected, or illustrative results have inherent limitations.

Actual results may differ materially.

Any investment performance information presented through an investment adviser is subject to additional regulatory requirements and disclosures.

Financial Projections and Illustrations

Financial planning involves assumptions about future events.

Any projection, simulation, illustration, Monte Carlo analysis, retirement analysis, college projection, business valuation estimate, tax projection, or similar calculation is hypothetical and should not be viewed as a guarantee.

Examples of assumptions that may materially affect results include:

• Investment returns

• Inflation

• Interest rates

• Tax rates

• Social Security benefits

• Pension benefits

• Spending

• Savings

• Life expectancy

• Insurance costs

• College costs

• Business valuations

• Real estate values

Future laws and economic conditions may differ materially from assumptions used in a financial analysis.

Tax Information

Mergent Advisors and its financial professionals may discuss tax considerations as part of an integrated financial planning process.

Unless separately engaged and qualified to do so, Mergent Advisors does not provide tax preparation or individualized tax advice.

Tax laws are complex and subject to change.

Clients should consult a qualified CPA, tax attorney, or other tax professional concerning their individual circumstances before implementing a tax-sensitive strategy.

Legal and Estate Planning Information

Mergent Advisors does not practice law.

Discussions concerning:

• Wills

• Trusts

• Estate planning

• Business entities

• Powers of attorney

• Beneficiary arrangements

• Asset protection

• Probate

• Business succession

are provided for general financial planning and coordination purposes.

Clients should consult a qualified attorney before implementing legal or estate planning strategies or documents.

College Planning

Mergent Advisors may provide educational information or planning tools concerning:

• College costs

• FAFSA

• Student Aid Index

• Financial aid

• CSS Profile schools

• Education savings

• Scholarships

• College funding strategies

These tools and discussions are for educational and financial planning purposes.

Mergent Advisors is not affiliated with or endorsed by the U.S. Department of Education, Federal Student Aid, FAFSA, the College Board, CSS Profile, or any college or university unless specifically stated.

Any financial aid, Student Aid Index, college cost, or family contribution estimate is based upon assumptions and available information.

Actual financial aid eligibility and college costs are determined by the applicable governmental agencies and educational institutions.

Business Owner Planning

Information concerning business valuation, succession planning, exit planning, key-person protection, buy-sell arrangements, business liquidity, or business-owner financial planning is provided for educational and planning purposes.

Business valuations or estimates presented through the website should not be treated as certified appraisals unless specifically identified as such and prepared by a qualified valuation professional.

Actual business value depends upon market conditions, financial performance, industry conditions, prospective buyers, transaction structure, taxes, and other factors.

Testimonials and Endorsements

From time to time, this website or Mergent Advisors marketing materials may contain testimonials, endorsements, reviews, or statements from clients or other persons.

Individual experiences are not necessarily representative of the experiences of all clients.

A testimonial or endorsement does not guarantee:

• Investment performance

• Planning success

• Client satisfaction

• Financial independence

• Any particular financial result

Where required by applicable securities laws, disclosures accompanying a testimonial or endorsement will identify whether the person providing it is a client, whether compensation was provided, and material conflicts of interest associated with the testimonial or endorsement.

Certain testimonials or endorsements may involve compensation.

Visitors should review the disclosures appearing with the specific testimonial or endorsement.

Third-Party Ratings and Awards

Mergent Advisors, affiliated entities, or associated professionals may reference ratings, awards, rankings, professional designations, or recognition provided by third parties.

A rating or award does not guarantee future investment performance or client satisfaction.

The methodology, eligibility criteria, evaluation period, compensation arrangements, and other relevant information may vary by rating provider.

Where required, additional disclosures regarding a particular rating or award will accompany the reference to that rating or award.

Professional Designations

Professional credentials or designations referenced on this website indicate that an individual has satisfied the requirements established by the organization granting the designation.

The use of a professional designation does not guarantee future performance, results, or client satisfaction.

Professional designations should not be interpreted as an endorsement by a governmental or regulatory authority.

Website Information

Information presented on mergentadvisors.net is intended for general informational and educational purposes.

Nothing on the website should be interpreted as individualized:

• Investment advice

• Securities advice

• Tax advice

• Legal advice

• Insurance advice

• Accounting advice

• Lending advice

A professional relationship is not created merely by:

• Visiting the website

• Downloading a guide

• Using a calculator

• Submitting a contact form

• Providing an email address

• Providing a telephone number

• Scheduling a consultation

• Receiving educational materials

A professional relationship begins only when the appropriate parties have entered into the applicable agreement or completed the applicable transaction.

No Offer or Solicitation

Nothing contained on this website constitutes an offer to sell or solicitation to purchase any security, investment product, insurance product, or financial service in a jurisdiction where such an offer or solicitation would be unlawful.

Services are offered only where Mergent Advisors, Mergent Wealth, the applicable registered investment adviser, and associated professionals are appropriately licensed, registered, exempt, or otherwise permitted to conduct business.

Third-Party Information

Mergent Advisors may use information obtained from third-party sources that it believes to be reliable.

However, Mergent Advisors does not guarantee the completeness, timeliness, or accuracy of information obtained from unaffiliated third parties.

Third-party links are provided for informational or convenience purposes.

The inclusion of a third-party link does not necessarily constitute an endorsement of the third party or its services.

No Guarantees

Mergent Advisors does not guarantee:

• Investment returns

• Financial independence

• Retirement success

• Achievement of a work-optional lifestyle

• Tax savings

• Insurance approval

• Insurance underwriting results

• College admission

• Financial aid

• Business valuation

• Business sale

• Estate planning outcomes

• Any particular financial result

Financial planning is an ongoing process involving uncertainty and changing circumstances.

Privacy

Information submitted through this website is handled in accordance with the Mergent Advisors Privacy Policy.

Additional privacy notices may apply to insurance or investment advisory relationships.

Texas insurance privacy rules may require covered entities to provide customers with a separate privacy notice describing the collection and disclosure of nonpublic personal financial information.

Regulatory Information

Additional information about registered investment advisers and investment adviser representatives is available through the SEC's Investment Adviser Public Disclosure database.

Mergent Wealth, LLC:

Firm ID / CRD: 313559

Visitors should review the applicable firm's current Form ADV and other regulatory disclosures before entering into an investment advisory relationship.

Contact Information

Mergent Advisors LLC
7701 Lemmon Avenue
Suite 260-A226
Dallas, Texas 75209

Website: mergentadvisors.net

Questions regarding these disclosures may be submitted using the contact information provided on the website.

Important Relationship Disclosure

Mergent Advisors LLC, Mergent Wealth, LLC, registered investment advisers with whom they maintain relationships, insurance carriers, and other financial service providers are separate legal entities.

Different financial services may therefore be provided under different agreements, compensation arrangements, regulatory standards, and legal entities.

Mergent Advisors, Mergent Wealth, their owners, or associated persons may receive compensation from insurance transactions, investment adviser referrals, promoter arrangements, or other financial service relationships.

These arrangements create economic incentives and potential conflicts of interest.

Material compensation arrangements and conflicts of interest are disclosed as required by applicable law.

Clients and prospective clients are encouraged to ask questions about how Mergent and associated financial professionals are compensated and to review all applicable disclosures before entering into a financial relationship.