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April 8, 2025
Location: Byron Township Community Center
2120 76th St SW, Byron Center, MI 49315
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We value your privacy, and we want to help make your experience with SBC Financial as satisfying and safe as possible. We have established this Privacy Policy to explain how we receive, use, and share information you may provide in connection with your access to this website.
Your Acknowledgement
The Site is intended for use only by individuals over the age of 18 who are accessing the Site from inside the United States. By using the Site or submitting any information to us, you acknowledge that you are over the age of 18, are in the United States, and that you consent to our use and sharing of information collected or submitted as described in this Privacy Policy. This Privacy Policy is incorporated into and is subject to the Site’s Terms of Use. By using the Site, you expressly consent to the terms of this Privacy Policy and the information handling practices described herein
Types of Information We Collect
In connection with your use of this Site, we may collect both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”). PII includes information such as your name, address, phone number, zip code, email address, and similar information. Non-PII is non-personally identifiable information, and may include, for example, your IP address, browser type, domain names, access dates and similar information. (PII and Non-PII will be collectively referred to as “Information”)
Collection of Information
We may collect information from you through your voluntary submission to receive offers from the Site or access to certain resources on the Site.
We also may collect information from your browser when you use the Site, using a variety of methods. The information that we with these automated methods may include, for example, your IP address, cookie information, a unique device or user ID, browser type, system type, the content and pages that you access on the Site, and the “referring URL” (i.e., the page from which you navigated to the Site). Websites visited before visiting the Site might place Information within the URL of your browser during a visit to that previous website. We may unintentionally collect that information as part of referring URL information. We may also use cookies on the Site to recognize you and to store references to you and session validators on your hard drive. We may use passively-collected information to administer, operate, and improve the Site and our other services and systems, and to provide services and content that are tailored to you. We may combine non-PII with PII.
If we directly combine any Non-PII with PII, we treat the combined information as PII under this Privacy Policy. Otherwise, we use information collected by passive means in aggregated or other non-personally identifiable forms.
Use and Sharing of Information
We may use the information you provide to us for any purpose, including but not limited to: (1) to provide you with materials that you have requested, (2) to contact you for the potential purchase of insurance or other financial products, (3) to personalize our contact with you, (4) to operate, provide, improve, and maintain the Site, (5) developing new products and services, (6) to prevent abusive and fraudulent use of the Site, (7) to send you administrative messages, content, and other services and features in which we believe you may be interested; and for any other administrative and internal business purposes permitted by law.
We may share your information with third parties that who assist us in operating our business and servicing our clients. We may also disclose Information if, in good faith, it is believed that doing so is required by a subpoena or other judicial or administrative order or otherwise required by law. Additionally, We may disclose Information if, in good faith, we deem it appropriate or necessary to prevent violation of the Site’s Terms of Use or our other agreements; take precautions against liability; protect our rights, property, or safety, or of any individual, or the general public; maintain and protect the security and integrity of our services or infrastructure; protect ourselves and our services from fraudulent, abusive, or unlawful uses; investigate and defend ourselves against third-party claims or allegations; or assist government enforcement agencies.
Permission To Contact You and Your Eight To Opt Our of Further Contact
Your provision of information to us through the Website will be considered a grant of permission for us to contact you through any means provided (including but not limited to mail, phone, text message, fax, etc.). You have the right to opt-out of further promotional contact from us. If at any time you desire to be removed from an email mailing list, please send your request to 2610 Horizon Dr SE #110,
Grand Rapids, MI 49546. It may take up to 10 days for us to process your request. Please be aware that this opt-out only applies to future messages and that we may still send you messages for administrative purposes as permitted by law.
Protection of Your Information
We maintain a variety of security measures to protect against the loss, misuse, and alteration of Information under our control. Although we make good faith efforts to maintain the security of such Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure, or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use, or alteration of any information provided to us.
If we become aware of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing Information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Site. If you believe that there has been a breach of the Site’s security, please contact us at (616) 965-6275.
Updates to This Privacy Policy
We may update or amend this Privacy Policy at any time. No prior notice of any update or amendment is required, and all updates or amendments are effective upon being posted. We encourage you to periodically review this Privacy Policy to stay informed about our collection, use, and disclosure of Information on the Site. Your continued use of the Site constitutes your agreement to this Privacy Policy and any updates.
Contacting Us
If you have questions about this Privacy Policy, you may contact us at (616) 965-6275.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.
SBC Financial is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where SBC Financial and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by SBC Financial unless a client service agreement is in place.Terms of Use
All information available through this website is the property of SBC Financial (the “Company”) or its Information Providers and is protected by copyright and intellectual property laws. All rights reserved.
You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of v or its licensors. You are entitled to use the information it contains for your private, non-commercial use only.
SBC Financial operates this website (the “website”) to provide information, related features and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service.Please take a few minutes to review the Terms of Use. By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.
The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.
2. These terms of use may change without prior notice
The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.
3. Notices of restrictions on your use
The Service, the website and all data and information and/or content that you see, hear or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third-parties is used on the website with the permission of such third-parties.
You may download, print and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website.
You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.
4. Disclaimer of warranties
By agreeing to grant you access, the Company does not obligate ourselves to do so or to maintain this site, or to maintain it in its present form, and we expressly reserve the right to modify, suspend or terminate your access privileges. You agree and understand that we may, in our sole discretion and without any prior notice, close this website or deny you access to it and delete any files which you may maintain at this site and any information which you may choose to post here.
The information on this website is provided “as is.” You expressly agree to assume total responsibility and risk for your use of the website and the service. The company makes no express or implied warranties, representations or endorsements whatsoever with respect to the website or the service. The company expressly disclaims all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and noninfringement, with regard to the website, the service, or any information or content contained therein (including third party information).
The company shall not be liable for any loss or damage arising either directly or indirectly from any use of the website, the service or any information or content contained therein (including third party information). It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all information or content provided by the website or the service.
The company does not warrant that the functions performed by the website or the service will be uninterrupted, timely, secure or error-free, or that defects in the website or the service will be corrected. The company does not warrant the accuracy or completeness of the information or content provided by the website or the service, or that any errors in the information or content will be corrected. The website, the service and the information or content are provided on an “as is” and “as available” basis.
5. Limitation of liability
If you are dissatisfied with the website or any content on the website, or with the terms of use, your sole and exclusive remedy is to discontinue using the website. You acknowledge, by your use of the website, that your use of the website is at your sole risk.
You understand and agree that under no circumstances will the company be liable for any damages whatsoever, including, but not limited to, (i) any direct, incidental, consequential, exemplary or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, the service, or the information or content provided therein, (ii) any claim attributable to errors, omissions, or other inaccuracies in the website, the service and/or information or content contained therein or downloaded through the website, (iii) unauthorized access to or alteration of your transmissions or data, (iv) statements or conduct of any third party on the website or the service, or (v) any other matter relating to the website or the service, even if the company has been advised of the possibility of such damages.
Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such states, the company’s liability is limited and warranties are excluded to the greatest extent permitted by law.
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
6. General Provisions
7. User conduct
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
We’ve spoken with many clients about taxes, and one thing is clear: most investors want to pay less. We understand that concern, which is why we’ve dedicated ourselves to building a practice that addresses your tax planning needs. We use a variety of strategies, including tax-loss harvesting, Roth conversions, and Social Security tax planning, to help you make the most tax-efficient investment decisions. Tyler Cottle is a valuable member of our team, bringing his accounting expertise from Grand Valley State University to design personalized plans that help clients keep more of their hard-earned money. Our clients appreciate having a plan that not only prioritizes their best interests but also works to minimize the taxes they pay, so they can keep more of their wealth where it belongs—right in their pockets.
Income is a top priority for many when planning for retirement, and we understand the concerns that come with it. Common questions we address daily include: Will I outlive my money? How much income can I safely withdraw? How should I claim Social Security?
We specialize in creating personalized retirement income plans that answer these tough questions. It’s incredibly rewarding to show our clients exactly how much they can withdraw and how long their income will last. The relief they feel when they know they can rely on a steady income for life is truly priceless. With the right income plan in place, retirement becomes something to look forward to, not something to fear. By designing a plan that meets your specific needs, we can eliminate the worry of running out of money or struggling to meet your financial obligations, giving you the peace of mind to enjoy your retirement the way you’ve always dreamed.
Social Security has become a large focal point in our practice. With over 2,700 rules in the Social Security program, our mission is to optimize your Social Security. We use a computer program to calculate hundreds of options to claim and identify the most beneficial choices to draw the most money out of Social Security. We provide a seminar just about every month that offers little known information on how to claim your benefits. We cover the Bipartisan Budget act of 2015 and how these phase outs can affect how you claim. We also cover how drawing off of your spouse’s Social Security may offer more income if you don’t have enough working credits. Another aspect we go over is how to coordinate spousal benefits and provide more income for the surviving spouse when one of you passes away. With many people asking if they should claim their income earlier or later, we have great information that addresses which may be the best direction for them.
We pride ourselves in offering an enjoyable investment experience from the moment you interact with your firm and throughout the many years we will be serving you. It is important to not only be educated to understand what is happening with your investments, but to also enjoy an atmosphere where paying attention to you and your account is our number one priority. As fiduciaries, your success is our standard.
