Fullerton Financial Planning (FFP) is an independent financial services firm and uses a variety of different investment strategies.
GENERAL DISCLOSURE
Investment advisory services are offered through Kingdom Financial Group, LLC (KFG), an SEC Registered Investment Adviser. KFG maintains a sub-advisory relationship with AE Wealth Management, LLC (AEWM).
Insurance products and services are provided by Fullerton Financial Planning (FFP). The insurance products offered by FFP are not subject to investment adviser requirements and are not offered through or supervised by KFG.
Tax services are offered through Fullerton Tax Services, LLC (FTS). The tax services offered through FTS are not subject to investment adviser requirements and not offered through or supervised by KFG.
FFP, KFG, and FTS are affiliated entities, with certain principals having ownership in each of these entities.
None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Opinions expressed and material provided are for general information on the subjects covered and should not be considered individualized advice. Please note FFP and KFG do not give legal or tax advice but our affiliate, FTS does give tax advice. You are still encouraged to consult your own financial, tax, or legal professional for information regarding your individual situation.
FIXED INSURANCE PRODUCTS AND ANNUITY GUARANTEES
Any references to protection benefits, safety, security, steady and reliable income, or lifetime income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges, and holding periods, which vary by insurance company. Annuities are not FDIC insured.
MEDIA LOGOS AND PAID PLACEMENTS
Media logos are the property of their respective owners and are not a stated or implied endorsement of or by Fullerton Financial Planning. Media appearances are paid placements.
GRAND CANYON UNIVERSITY SPONSORSHIP
Effective as of July 1, 2025, Fullerton Financial Planning and Kingdom Financial Group, LLC (together “Fullerton Financial”) and Grand Canyon University (GCU) entered into an agreement wherein Fullerton Financial is the recipient of certain sponsorship rights, including use of the designations “Official Wealth Management Partner of Grand Canyon University”, “Community Partner of Grand Canyon University”, and “Proud Partner of Grand Canyon Athletics”, and other GCU trademarks for use in Fullerton Financial marketing. In connection therewith Fullerton Financial may also receive other benefits, including advertising placements on GCU websites, advertisements at GCU sporting events, and promotional events of GCU. As consideration for this arrangement and the aforementioned benefits, Fullerton Financial is obligated to pay GCU, per the terms of such arrangement, a fee until 2030. This fee will be $200,000 per year paid in 2026 and 2027, increasing to $300,000 per year in 2028.
STATISTICS, FIGURES, AND ILLUSTRATIONS
Certain pages on this website present statistics, figures, counters, and other data points (“Figures”). Unless otherwise indicated, Figures describing the retirement landscape are drawn from third-party industry sources believed to be reliable as of the date of publication. Fullerton Financial Planning has not independently verified third-party data and makes no representation or warranty as to its accuracy or completeness. Figures describing the firm — including years in business, office locations, team size, and counts of published content — are internal counts, current as of the date of publication and subject to change without notice.
Years in business are measured from the founding of Fullerton Financial Planning's retirement-planning and insurance practice in 2004. Investment advisory services have been offered through Kingdom Financial Group, LLC, an SEC Registered Investment Adviser, established in 2011.
Figures are provided for informational and illustrative purposes only. They do not represent the experience or results of any client of Fullerton Financial Planning, and they are not a guarantee, projection, or prediction of future results. Illustrations of planning concepts — including income ranges and the effects of claiming, tax, deferral, or timing decisions — reflect the firm’s own planning view, depend on individual circumstances such as age and how long benefits or income are deferred, and will vary. Past performance never predicts future results. No specific product or company is promoted by any Figure. Where guarantees are referenced, guarantees rely on the financial strength and claims-paying ability of the issuing insurer; annuities are not FDIC insured and are not a bank deposit. Tax thresholds, Medicare premiums and program rules, and probate rules vary by jurisdiction and change over time; planning illustrations reflect the rules current at the time of writing.
Third-party and governmental sources cited for Figures on this website include: Northwestern Mutual, 2026 Planning & Progress Study; Allianz Life, Annual Retirement Study (2024 and later editions); Fidelity Investments, Retiree Health Care Cost Estimate (2025); United Income, "The Retirement Solution Hiding in Plain Sight" (2019); Charles Schwab, Modern Wealth Survey (2024); Caring.com, Wills and Estate Planning Study (2024); the Social Security Administration (including Publication No. 05-10147, Research Note 2017-01, and Office of Retirement Policy Issue Paper 2015-02); the Internal Revenue Service (including IRC § 86 and the SECURE 2.0 Act of 2022); and Medicare.gov (Centers for Medicare & Medicaid Services). A record mapping each published Figure to its source is maintained in the firm's advertising substantiation file and is available upon request.
THIRD-PARTY MATERIALS
The information and opinions contained in any materials requested from this website are provided by third parties and have been obtained from sources believed to be reliable; however, accuracy and completeness cannot be guaranteed. They are provided for informational purposes only and are not a solicitation to buy or sell any products mentioned. The information is not intended to be used as the sole basis for financial decisions and should not be construed as advice designed to meet the particular needs of an individual's situation.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. None of the information contained on this website shall constitute an offer to sell or a solicitation of any offer to buy a security or insurance product. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making purchasing decisions.