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Open the companion tool →Why complex financial products require independent review
High-commission annuity pitches often include heavy surrender charges, long lock-up periods, and complex fee structures.
Independent fee-only fiduciaries do not earn sales commissions and offer objective evaluation of financial products.
The protocol
- Never sign financial documents or contract commitments at a sales seminar or high-pressure meeting.
- Check the salesperson's credentials on FINRA BrokerCheck (brokercheck.finra.org).
- Ask for a written disclosure of all surrender fees, lock-up periods, and annual management charges.
- Review the proposal with a trusted family member and an independent fee-only financial advisor.
What the tool does
Audit a complex financial or annuity pitch targeting an older adult. Runs in browser.
Limit first: This is an educational checklist tool. It is not formal financial or legal advice.
Open the companion tool →One human next step
Verify financial sales credentials on FINRA BrokerCheck before attending or signing any investment proposals.
Research log and safety checks
AI-assist path: financial pitch checklist. §6.10: not a frontier-pace topic.
§0.5 protection result: category is elder-protection; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.