Legal

Disclosures

The things you should know before acting on anything you read here.

Last updated 2026-08-14

Who we are

The Quiet Money Machine is a brand of Think Retirement, Inc. Insurance and annuity products are offered through Think Retirement, Inc. Investment advisory services, where provided, are offered through THINK Wealth Advisory, LLC.

These are affiliated entities with common ownership. Insurance products are not subject to investment adviser requirements and are not offered through or supervised by the advisory entity. Steve Jurich is licensed in securities and in insurance and annuities.

What this site is

Everything on this site is for informational and educational purposes. Nothing here is an offer to sell, or a solicitation of an offer to buy, any security or insurance product, and nothing here is individualized advice.

Opinions and material are general to the subjects covered. We do not give legal or tax advice. Speak to your own financial, tax, or legal professional about your particular situation before acting.

What “safe”, “secure”, and “guaranteed” refer to

Any reference on this site to protection, safety, security, steady or reliable income, or lifetime income refers only to insurance products. It does not refer in any way to securities or investment advisory products.

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.

Annuities

Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not FDIC insured, not bank deposits, and not guaranteed by any bank or government agency.

Annuities are insurance products that may be subject to fees, surrender charges, and holding periods that vary by company and by contract. Withdrawals may be taxable and, before age 59½, may incur an IRS penalty. Guaranteed lifetime income features are typically provided by a rider, which may carry an additional charge.

State guaranty associations provide limited coverage if an insurer fails. Coverage limits vary by state and are not a substitute for the carrier's own financial strength. A guaranty association is not a government agency and its protection should not be used to induce the purchase of any product.

Rates, examples, and past performance

Any rates shown on this site are illustrative of the market at the time of writing and change frequently. Ask for current figures before making a decision.

Past performance of any asset or index should never be relied upon to predict future results. Any examples or illustrations are hypothetical, are provided to demonstrate a concept, and do not represent the actual performance of any specific product or any client's account.

Testimonials

Testimonials appearing on this site reflect the individual experience of the person quoted at a particular time. They are not representative of the experience of other clients and are not a guarantee of future results or success.

No cash or non-cash compensation was provided in exchange for any testimonial appearing on this site. Where a person providing a testimonial is a client, that relationship is itself a material conflict of interest, because a satisfied client has an interest in the continuation of the relationship.

Media appearances

Any media names or logos shown are the property of their respective owners. No endorsement by those owners is stated or implied. Being quoted by, or appearing on, a media outlet is not an endorsement of our services and is not indicative of any client's experience.

Where we can do business

Nothing on this site is directed at any person in any jurisdiction where publishing or using it would be contrary to law, or would subject us to a registration requirement in that jurisdiction.

Insurance and annuity products may only be offered in states where the agent is appropriately licensed. Advisory services may only be offered where the firm is registered or exempt from registration.