Terms of Service

Effective November 5, 2026

Welcome to layeredincome.com (the “Site”), operated by Layered Income LLC (“Layered Income,” “we,” “us” or “our”). These Terms of Service (“Terms”) govern your use of the Site and of the video, booking and other services we offer through it (the “Services”). Please read them carefully. By using the Site, you confirm that you are at least 18 years old.

1. Acceptance of These Terms

By using the Site or the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.

2. About Layered Income

Layered Income offers annuities for retirement income. Layered Income LLC is a licensed insurance agency, and Bryan Hackett is a licensed insurance producer. See our licensing information. We can sell insurance only in states where we are licensed, and products and features vary by state.

3. Informational Purposes Only

The Site provides general educational information about retirement income. We try to keep it accurate and current, but we do not guarantee that it is complete, accurate or up to date, and you rely on it at your own risk. Nothing on the Site is an offer to sell, or a solicitation of an offer to buy, any insurance product.

An annuity can be sold only by a licensed insurance producer and is issued by an insurance company. Its guarantees depend on the financial strength and claims-paying ability of the insurance company that issues it. Annuities are not bank deposits and are not insured by the FDIC or any other government agency.

4. No Professional Advice

The Site does not provide tax, legal, accounting or investment advice, and its content is not advice for your own situation. Talk with your own tax, legal and financial professionals before you make decisions.

5. Changes to These Terms

We may change these Terms at any time by posting the updated version on this page with a new effective date. Your use of the Site after a change means you accept the updated Terms.

6. Intellectual Property

The Site and its content, including its text, video, graphics and the Layered Income name and logo, belong to Layered Income or its licensors and are protected by copyright, trademark and other laws. You may view and print pages of the Site for your own personal, noncommercial use. You may not otherwise copy, modify, distribute or use the content, or use our name or logo, without our written permission.

7. Links to Other Websites

The Site may link to, or include features from, websites and services run by other companies, such as our booking calendar. We are not responsible for those websites or services, and your use of them is subject to their own terms.

8. Disclaimer of Warranties

The Site and the Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Site will be accurate, secure, uninterrupted or free of errors. Some states do not allow these exclusions, so they may not apply to you.

9. Limitation of Liability

To the fullest extent the law allows, Layered Income and its members, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits or data, arising out of or in connection with your use of, or inability to use, the Site, even if we were told such damages were possible. Some states do not allow these limits, so they may not apply to you.

10. Indemnification

You agree to defend, indemnify and hold harmless Layered Income and its members, employees and agents from any claims, losses and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms or your misuse of the Site.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Colorado, without regard to its conflict of laws rules. Any dispute arising from these Terms or the Site will be brought only in the state or federal courts located in Colorado, and you consent to their jurisdiction.

12. Waiver and Severability

If we do not enforce a provision of these Terms, we have not waived it. If a court finds any provision invalid, the rest of these Terms remain in effect.

13. Entire Agreement

These Terms and our Privacy Policy are the entire agreement between you and Layered Income about the Site. If you buy an annuity, the application and contract for it govern that purchase.

14. Contact Us

If you have questions about these Terms, contact us at: