Disclosures

Vyom Financial Group Inc. is a financial services company based in Malvern, Pennsylvania. Madhu Budati and other representatives of Vyom Financial Group Inc. are licensed insurance professionals. The services offered include financial education, tax strategy consultation, and the placement of life insurance and financial products through licensed carriers.

Vyom Financial Group Inc. does not provide investment advice, securities brokerage services, or legal counsel. Nothing presented on this website or in any strategy session, webinar, guide, or communication from Vyom Financial Group Inc. should be construed as personalized investment, securities, legal, or tax advice. You should consult with a qualified professional advisor before making any financial decision.

Life insurance products discussed on this website, including those used in the Million Dollar Baby Plan strategy, are not bank deposits and are not insured by the FDIC, NCUA, or any other federal or state government agency. They are not guaranteed by any bank or credit union.

• Life insurance policies are subject to the terms, conditions, exclusions, and limitations of the individual contract issued by the insurance carrier.
• Policy values, including cash value accumulation and death benefits, are not guaranteed and may vary based on policy charges, interest crediting rates, and other factors specific to each policy.
• Indexed crediting strategies are linked to the performance of a market index (such as the S&P 500) but do not involve direct investment in the stock market. You do not own shares in the index.
• A 0% floor means the policy is protected against negative index performance during a crediting period, but policy charges may still reduce cash value during periods of zero index growth.
• Illustrated rates used in hypothetical projections are based on current assumptions and are not guaranteed. Actual performance may be higher or lower.
• Loans and withdrawals from a policy reduce the death benefit and cash value and may have tax consequences if the policy lapses or is surrendered.
• Life insurance products involve costs including mortality and expense charges, administrative fees, and rider charges that affect cash value accumulation.

Any financial illustrations, projections, or hypothetical examples shown on this website or provided during a strategy session are for educational purposes only and are not a guarantee of future performance. Illustrated values assume a specific crediting rate (e.g., 6.21%) which is based on current assumptions and historical performance. Actual results will vary.

The example using $500 per month for a 5-year-old child and the resulting lifetime distribution figures are hypothetical illustrations only. Your personal results will depend on your child’s age and health at the time of application, the specific carrier and product selected, the contribution amount and schedule, future interest crediting rates, and any loans or withdrawals taken from the policy.

References to tax-free growth, tax-free withdrawals, or tax-advantaged distributions are based on current federal tax law as it applies to life insurance policies that meet the definition of life insurance under IRC Section 7702 and are not classified as Modified Endowment Contracts (MECs). Tax laws are subject to change. The tax treatment of your policy depends on your individual circumstances.

Vyom Financial Group Inc. and its representatives are not licensed attorneys. Any tax-related information provided is general and educational in nature. You should consult a qualified tax professional regarding your specific situation before making any decisions based on tax considerations.

Madhu Budati and representatives of Vyom Financial Group Inc. are licensed life insurance agents. Licensing is conducted on a state-by-state basis. Not all products or services may be available in all states. Availability is subject to state regulations and carrier approval.

To verify the license status of an insurance agent in your state, you may contact your state’s Department of Insurance or visit the National Insurance Producer Registry at www.nipr.com.

Vyom Financial Group Inc. and its licensed representatives may receive compensation, including commissions and bonuses, from insurance carriers for the placement of life insurance and related products. This compensation does not increase the cost to you as the policyholder and is paid by the insurance carrier. However, you should be aware that this compensation structure may create a potential conflict of interest. We are committed to recommending products that we believe are suitable for your needs and goals.

Client testimonials and success stories referenced on this website reflect individual experiences and results. They are not representative of all clients and do not constitute a guarantee that you will achieve the same or similar results. Individual outcomes depend on a wide range of personal, financial, and market factors outside of our control.

The complimentary 30-minute strategy session offered through this website is an educational consultation. Participation in a strategy session does not obligate you to purchase any product or service. During the session, a licensed representative of Vyom Financial Group Inc. will present educational information and may discuss whether specific products may be appropriate for your situation. Any product recommendation will be subject to carrier underwriting approval and applicable state regulations.

If you have questions about these disclosures or wish to file a complaint, please contact us:

You may also contact the Pennsylvania Insurance Department at www.insurance.pa.gov or 1-877-881-6388.