Disclosures
Yes, the legal details live here. We would rather show them than hide them.
Who we are
Kids Retirement Plan is an independent financial services practice with its principal place of business in Great Neck, New York, serving families in all 50 states. Insurance products are offered through professionals holding life, health, property, and casualty insurance licenses. Securities related services are offered through appropriately registered representatives holding FINRA Series 6 and Series 63 registrations.
How we are compensated
Initial consultations and written plans are provided at no cost. When a family chooses to implement recommendations, we receive compensation from the insurance carriers and financial product providers involved, typically in the form of commissions. This compensation does not increase what you pay for a policy or product. We disclose how we are paid on any specific recommendation before you make a decision.
Educational content
All content on this website, including calculators and articles in the Learning Center, is for general educational purposes only. It is not individualized investment, insurance, tax, or legal advice, and it is not an offer or solicitation to buy any specific product. Calculator outputs and growth figures are hypothetical illustrations, are not guarantees, and do not reflect taxes, fees, or the performance of any actual investment.
Insurance and securities
All insurance applications are subject to underwriting and eligibility requirements. Policy guarantees are based on the claims paying ability of the issuing insurance company. Variable universal life insurance is sold by prospectus only; investors should read the prospectus carefully and consider objectives, risks, charges, and expenses before investing. Cash value products involve costs, and loans or withdrawals reduce cash value and death benefits and may have tax consequences.
Government programs
Trump Accounts are a federal program established under federal law. Kids Retirement Plan is not affiliated with, endorsed by, or connected to the United States government, the Department of the Treasury, the Internal Revenue Service, or trumpaccounts.gov. Program details described on this site reflect published federal guidance as of 2026 and are subject to change. Always verify current rules with official government sources.
Testimonials and reviews
Where client experiences appear on this site, they reflect the views of the individuals involved, are voluntarily provided, and are not compensated unless clearly stated. Individual experiences vary, and no client story is a promise of any particular result.
Questions
We are happy to explain any disclosure in plain English. Email ofiroved@gmail.com or call 917.652.2257, any time.
Parents who started early
"We wanted to start planning for our son's future while he was still young, but we had no idea where to begin. The team explained everything clearly and helped us find an option that made sense for our family and our budget."
"I really appreciated how patient and informative the whole process was. There was no pressure at all, and every question I had was answered in a way that was easy to understand."
"The team was professional, knowledgeable, and very easy to talk to. I never felt like I was being sold something. It felt more like a conversation about what was best for our family."
"Great experience from beginning to end. They answered all of our questions and helped us choose a plan that fit comfortably into our monthly budget."
"I wish someone had explained this type of planning to me years ago. Starting something for our kids now gives us a lot more peace of mind."
"As a new mom, I have been thinking a lot more about my child's future. Getting a plan in place gave me a sense that we are starting on the right foot."
"We have three kids, so finding something realistic for our budget was important. The team listened to us and helped us understand what options made sense for our situation."
"One of the best things we have done for our family's long term planning. The process was simple, the explanations were clear, and we felt comfortable asking as many questions as we needed."