WFG Relationship Disclosure
How Puzz Heritage Financials, individual financial professionals, and World Financial Group relate.
The Relationship
Puzz Heritage Financials is an independent brand operated by financial professionals who are affiliated with World Financial Group and its applicable insurance‑agency entities. Financial professionals conduct insurance business through the appropriate WFG‑affiliated insurance agency in each state where they are licensed and appointed.
Roles
- Puzz Heritage Financials — a marketing name used to identify the educational, community, and client‑service work of its affiliated financial professionals. Puzz Heritage Financials itself is not an insurance carrier, broker‑dealer, registered investment adviser, or law firm.
- Individual financial professionals — independently licensed and appointed insurance agents who transact business through the applicable insurance agency and carriers in the states where they are authorized.
- World Financial Group and applicable insurance‑agency entities — the affiliated organization through which appointments with insurance carriers are held and through which supervisory and compliance obligations are administered.
Compliance‑Approved Language
The complete affiliation and regulatory language required by World Financial Group and its affiliated insurance‑agency entities will be published here in the exact, compliance‑approved form provided by that organization. No modification, abbreviation, or removal of required language will occur without written compliance approval.
[Placeholder — insert current, compliance‑approved WFG affiliation and regulatory language verbatim.]
Compensation
Financial professionals affiliated with WFG‑related agencies are typically compensated through commissions, overrides, and bonuses paid by insurance carriers when a policy is issued. This compensation is disclosed in carrier documents and does not increase the premium paid by the client compared to purchasing the same policy directly.