Legal, Privacy & Disclosures
General Website Disclosures
John Schwalenberg is licensed to sell Life, Accident, Health, and HMO products in the State of Texas. License number 2266812. Annuities are insurance products regulated by the Texas Department of Insurance. John Schwalenberg is not a registered investment adviser and does not provide investment advisory services, portfolio management, or securities recommendations.
Not Investment, Tax, or Legal Advice
Nothing on this website constitutes investment advice, tax advice, or legal advice. All content is general in nature and should not be interpreted as personalized guidance for your specific situation. Consult a qualified tax professional, attorney, or financial advisor regarding your individual circumstances before making any financial decisions.
Insurance Products
Insurance products discussed on this website, including Fixed Indexed Annuities and Guaranteed Lifetime Withdrawal Benefit riders, are issued by insurance companies and are subject to the terms, conditions, limitations, fees, and underwriting requirements of the issuing insurance company. Any guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company, not by any government agency. Product availability and features vary by insurance company and state.
Suitability
A Fixed Indexed Annuity with a Guaranteed Lifetime Withdrawal Benefit rider may not be suitable for everyone. Suitability is determined based on your individual financial situation, income needs, risk tolerance, time horizon, and other personal factors. A full suitability review is conducted prior to any product recommendation or application.
Compensation Disclosure
John Schwalenberg is compensated by insurance companies through commissions paid upon placement of insurance products. Commissions are built into the product structure and are not charged separately to the client. Compensation may vary by insurance company and product.
Texas Life and Health Insurance Guaranty Association
Insurance policies issued by insurance companies doing business in Texas are subject to the protections of the Texas Life and Health Insurance Guaranty Association, or TLHIGA, up to certain limits in the event a member insurance company is found to be insolvent and ordered into liquidation by a court. TLHIGA is a nonprofit, industry funded safety net, not a government agency, and its protections are not equivalent to FDIC deposit insurance or any other government guarantee. Coverage limits and eligibility requirements apply and vary by policy type. TLHIGA protection should not be used as the primary basis for selecting an insurance product or insurance company. Evaluating the financial strength and claims paying ability of any insurance company before purchase remains an important part of the due diligence process. For more information visit www.txlifega.org.
Terms of Use
Last Updated: June 2026
Welcome to Create Your Own Pension. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these Terms, please do not use this website.
1. Acceptance of Terms
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. We reserve the right to modify these Terms at any time. Changes become effective when posted on this website. Continued use of the website after changes are posted constitutes acceptance of those changes.
2. Educational Purpose Only
The information provided on this website is intended solely for educational and informational purposes. Content regarding retirement income planning, annuities, insurance products, Social Security, retirement expenses, income strategies, and related topics is general in nature and should not be interpreted as personalized financial, investment, tax, accounting, legal, or insurance advice. Visitors should consult appropriate professionals regarding their individual circumstances before making financial decisions.
3. No Investment Advisory Services
Create Your Own Pension is not a registered investment adviser and does not provide investment advisory services, portfolio management services, securities recommendations, or ongoing investment supervision. Any references to investments, market performance, retirement accounts, or related topics are provided solely for educational purposes.
4. Insurance Products
Insurance products discussed on this website may include annuities and other insurance-based retirement income solutions. Insurance products are issued by insurance companies and are subject to the terms, conditions, limitations, fees, charges, and underwriting requirements of the issuing insurance company. Any guarantees associated with insurance products are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Product availability varies by state.
5. No Professional Relationship
Use of this website does not create a client relationship, advisory relationship, fiduciary relationship, insurance producer-client relationship, or any other professional relationship. A professional relationship is established only after all required applications, disclosures, agreements, and documentation have been completed and accepted.
6. No Guarantee of Results
No representation is made that any individual will achieve a specific financial outcome, retirement income level, or planning objective. Past performance, historical examples, educational illustrations, and hypothetical scenarios are not guarantees of future results.
7. Income Gap Analysis and Calculators
Any calculators, worksheets, Income Gap Analyses, planning tools, illustrations, or estimates available through this website are intended solely for educational purposes. Results are based on assumptions and information provided by users and should not be relied upon as financial, investment, legal, tax, or insurance advice.
8. Intellectual Property
All content on this website is owned by or licensed to Create Your Own Pension and is protected by applicable intellectual property laws. You may view, download, and print materials solely for personal, non-commercial use. You may not reproduce, distribute, modify, republish, transmit, display, sell, or exploit website content without prior written permission.
9. Third-Party Resources and Links
This website may contain references or links to third-party websites, articles, research reports, tools, or resources. Such references are provided solely as a convenience. We do not control, endorse, guarantee, or assume responsibility for third-party content, products, services, privacy practices, or accuracy. Access to third-party websites is at your own risk.
10. User Conduct
You agree not to use the website for unlawful purposes, attempt to gain unauthorized access to website systems, interfere with website functionality, introduce malware or harmful code, use automated systems to scrape or harvest website content, or misrepresent your identity when communicating through the website.
11. Disclaimer of Warranties
This website and all content are provided on an as-is and as-available basis. To the fullest extent permitted by law, Create Your Own Pension disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, or completeness. We do not warrant that the website will operate uninterrupted or error-free.
12. Limitation of Liability
To the fullest extent permitted by law, Create Your Own Pension and its owners, employees, contractors, affiliates, representatives, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from use of this website, reliance on website content, website interruptions or errors, technical failures, third-party content, loss of data, or financial decisions made by users.
13. Indemnification
You agree to indemnify, defend, and hold harmless Create Your Own Pension and its owners, employees, contractors, affiliates, and representatives from any claims, liabilities, damages, costs, expenses, or legal fees arising from your use of the website or violation of these Terms.
14. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.
15. Contact Information
Questions regarding these Terms of Use may be directed to: Create Your Own Pension, Email: admin@createyourownpension.org, Website: createyourownpension.org
Privacy Policy
Last Updated: July 2026
Create Your Own Pension respects your privacy and is committed to protecting the personal information you provide through this website. This Privacy Policy explains what information we collect, how we use it, and the choices available to you regarding your information.
1. Information We Collect
We may collect information you voluntarily provide when you complete a contact form, schedule an appointment, request an Income Gap Analysis, download educational materials, subscribe to email communications, or contact us by phone, email, or through the website. Information you provide may include your name, email address, phone number, state of residence, retirement planning information, and other information you choose to share. We may also automatically collect certain technical information when you visit our website, including IP address, browser type, device type, operating system, pages visited, date and time of visits, and referring websites.
When you use our Income Gap Calculator or Retirement Paycheck Estimator, the financial details you enter (such as your expenses and guaranteed income sources) are automatically recorded. If you later provide your contact information through this website, that calculator information may be linked to it so we can prepare in advance for your consultation.
2. How We Use Information
We may use information collected to respond to inquiries, schedule appointments, provide requested information and educational materials, conduct retirement income discussions, improve website performance and user experience, communicate regarding services or updates, and comply with legal and regulatory obligations.
3. Cookies and Analytics
This website may use cookies and similar technologies to improve website functionality and analyze website traffic. We may use analytics tools such as Google Analytics, Wix Analytics, or similar services to understand visitor behavior and improve website performance. You may disable cookies through your browser settings, however some website features may not function properly.
4. Information Sharing
We do not sell, rent, or trade personal information to third parties. We may share information with service providers who assist in operating our website or business, appointment scheduling providers, email communication providers, technology and hosting providers, insurance companies when necessary to evaluate or process insurance-related inquiries, and government agencies or regulators when required by law.
5. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, or loss. However, no method of electronic transmission or storage is completely secure and we cannot guarantee absolute security.
6. Email Communications
If you provide your email address, we may send educational information, updates, appointment confirmations, or other communications related to retirement income planning. You may opt out of marketing emails at any time by using the unsubscribe link included in email communications or by contacting us directly.
7. Third-Party Websites
This website may contain links to third-party websites. We are not responsible for the privacy practices, content, or security of any third-party website. Visitors should review the privacy policies of those websites independently.
8. Children's Privacy
This website is intended for adults and is not directed toward children under the age of 13. We do not knowingly collect personal information from children.
9. Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information, including the right to request access to personal information we maintain, request correction of inaccurate information, request deletion of certain information where permitted by law, and request information regarding how personal information is used. To exercise these rights, please contact us using the information below.
10. Changes to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any updates will be posted on this page with a revised effective date.
11. Contact Information
Create Your Own Pension, Email: admin@createyourownpension.org, Website: createyourownpension.org
Accessibility Statement
Last Updated: June 2026
Create Your Own Pension is committed to ensuring digital accessibility for all visitors, including individuals with disabilities. We continually work to improve the user experience for everyone and strive to make our website accessible in accordance with generally recognized accessibility standards.
Our Commitment
We believe every visitor should be able to access information about retirement income planning regardless of technology, ability, or circumstance. Our goal is to provide a website experience that is easy to navigate, accessible on desktop and mobile devices, compatible with commonly used assistive technologies, and understandable and user-friendly.
Accessibility Efforts
To support accessibility we strive to use clear and readable content, maintain logical page structure and headings, provide alternative text for meaningful images when appropriate, use sufficient color contrast for readability, design pages that can be navigated using a keyboard, support compatibility with screen readers and assistive technologies, and review website content periodically for accessibility improvements.
Third-Party Content
Certain areas of this website may rely on third-party services, applications, forms, scheduling tools, videos, or other content outside our direct control. While we encourage our third-party providers to support accessibility standards, we cannot guarantee the accessibility of third-party content.
Need Assistance?
If you experience difficulty accessing any content on this website, encounter an accessibility barrier, or have suggestions for improving accessibility, please contact us. When reaching out please provide a description of the issue, the page or feature involved, the device and browser you were using if known, and your preferred method of contact. We will make reasonable efforts to address accessibility concerns and provide requested information in an alternative format when possible.
Contact Information
Create Your Own Pension, Email: admin@createyourownpension.org, Website: createyourownpension.org