HavenPoint Retirement Strategies, LLC

Website: myoldretirement.com

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1.Firm Information

HavenPoint Retirement Strategies, LLC is a Texas limited liability company, formed in 2026, offering insurance and retirement planning services through licensed insurance professionals. Josh Broach is the principal and licensed insurance professional at HavenPoint.

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Contact:

HavenPoint Retirement Strategies, LLC Mailing address: 539 W. Commerce St #2937 Dallas TX 75208

Email: Josh@havenpointretirement.com

Phone: 469-829-6352

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2.Licensing

Josh Broach is a licensed insurance professional offering insurance and annuity products to residents of Texas, Florida, California, and Arizona. All active licenses can be verified publicly through the National Insurance Producer Registry at nipr.com, or directly with each state's Department of Insurance:

 

• Texas Department of Insurance: tdi.texas.gov

• Florida Department of Financial Services: myfloridacfo.com

• California Department of Insurance: insurance.ca.gov

• Arizona Department of Insurance and Financial Institutions: difi.az.gov

 

License information for any specific state is available on request and can also be confirmed through the state regulator listed above.

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3.What HavenPoint Does and Does Not Do

HavenPoint provides:

• Education about retirement accounts, including 401(k), 403(b), 457, IRA, and Roth IRA

• Education and guidance about retirement income strategies

• Education about Social Security claiming considerations

• Sale of insurance and annuity products, including fixed annuities, fixed indexed annuities, multi-year guaranteed annuities, life insurance, and health and disability insurance, in states where licensed

HavenPoint does not:

• Provide securities recommendations, brokerage services, or investment management. HavenPoint is not a registered investment adviser and is not registered with the

 

Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulator

• Prepare tax returns or provide tax advice. Consult a certified public accountant or tax attorney for tax matters

• Provide legal advice. Consult an attorney for legal matters

• Take custody of client funds or securities

• Charge advisory fees. HavenPoint is compensated through commissions paid by insurance carriers when products are placed

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4.Important Disclosures About Insurance and Annuity Products

Educational nature of information

Information provided on the Site, during consultations, and in marketing materials is educational. It is not personalized financial advice. Any recommendation that a specific insurance or annuity product is appropriate for you will be made only after a review of your individual situation, financial objectives, time horizon, risk tolerance, and other relevant factors, and only as part of a formal written application.

Past performance

Past performance is not a guarantee of future results. Historical returns, hypothetical illustrations, and projected outcomes discussed during consultations or shown in marketing materials are not promises of future performance.

Annuity product features and limitations

Annuities are long-term insurance contracts designed for retirement income. They have features that should be carefully considered before purchase, including:

• Surrender charges that may apply to withdrawals made during the surrender period, often 5 to 10 years or longer

• Early withdrawal penalties before age 59½ under IRS rules, in addition to ordinary income tax on the withdrawal

• Limited access to funds during the surrender charge period

• Charges, fees, and rider expenses that vary by product

• Index-linked crediting features in fixed indexed annuities use participation rates, caps, and spreads that limit the amount of index-linked interest credited

Guarantees

Any guarantees associated with insurance and annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Guarantees are not backed by HavenPoint Retirement Strategies, LLC, by any government agency, by the Federal Deposit Insurance Corporation (FDIC), or by the Securities Investor Protection Corporation (SIPC).

State guaranty associations

Annuity contracts may be eligible for limited protection under state insurance guaranty associations. Coverage limits and conditions vary by state. Information about state guaranty

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associations is available from the National Organization of Life and Health Insurance Guaranty Associations at nolhga.com.

Suitability standard

Insurance and annuity recommendations made by HavenPoint follow applicable state suitability and best interest standards, including the NAIC Suitability in Annuity Transactions Model Regulation as adopted in your state of residence. A suitability standard is not the same as the fiduciary standard that applies to a registered investment adviser providing securities advice.

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5.Compensation

HavenPoint is compensated through commissions paid by the insurance carrier when an insurance or annuity product is placed. We do not charge fees for consultations or for retirement education. Commission amounts vary by product and carrier. Commission information for any specific product can be provided on request before you apply.

 

6.State Insurance Department Contacts

To file a complaint or ask a question about insurance practices, contact the Department of Insurance in your state:

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Texas

Texas Department of Insurance, 1601 Congress Avenue, Austin, TX 78701 Phone: 1-800-252-3439 · Website: tdi.texas.gov

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Florida

Florida Department of Financial Services, Division of Consumer Services Phone: 1-877-693-5236 · Website: myfloridacfo.com

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California

California Department of Insurance

Phone: 1-800-927-4357 · Website: insurance.ca.gov

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Arizona

Arizona Department of Insurance and Financial Institutions Phone: 602-364-3100 · Website: difi.az.gov

7.Forward-Looking Statements

Statements about future retirement outcomes, market trends, tax law changes, or product performance are forward-looking and inherently uncertain. Actual results may vary materially from projected or illustrated outcomes due to changes in market conditions, tax laws, your personal circumstances, and other factors beyond our control.

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8.No Affiliation with Government Agencies

HavenPoint Retirement Strategies, LLC is not affiliated with, endorsed by, sponsored by, or connected to the Social Security Administration, the Internal Revenue Service, the Centers for Medicare and Medicaid Services, the United States Department of Labor, or any other federal, state, or local government agency.

 

9.Updates to These Disclosures

HavenPoint may update these Disclosures. The current version is always posted on the Site with an updated Effective Date.

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10.Contact Us

Questions about these Disclosures or about a specific product or service can be sent to:

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HavenPoint Retirement Strategies, LLC Mailing address: 539 W. Commerce St #2937 Dallas TX 75208

Email: Josh@havenpointretirement.com

Phone: 469-829-6352