Legal Information

Terms of Use

These Terms of Use explain important limitations, disclosures, and conditions regarding your use of this website and related materials.

Last updated: May 2026 Use of this website constitutes acceptance

Overview

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to suit their needs and objectives.

Licensing and Registration

Securities and investment advisory services can only be solicited in states where a financial professional is licensed and registered to do business. Please inquire which states a financial professional is licensed and registered in before engaging in a business relationship.

Securities are offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. Investment advisory services are offered only by duly registered individuals through AE Opuera Wealth, LLC (AEEIM), a Registered Investment Adviser. MAS and Opuera Wealth are not affiliated entities. AEEIM and Everest Insurance Marketing are not affiliated entities.

Investment Risk

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.

None of the information on this website constitutes an offer to sell or solicit any offer to buy a security or insurance product.

No Tax or Legal Advice

Neither the firm nor its agents or representatives may provide tax or legal advice. Individuals should consult qualified professionals for guidance before making purchasing decisions.

Insurance and Annuity Statements

References to protection benefits or reliable income streams refer only to fixed insurance products and do not refer to securities or investment advisory products.

Annuity guarantees are backed by the issuing insurance company's financial strength and claims-paying ability. Annuities may be subject to fees, surrender charges, and holding periods, and are not FDIC insured.

Third-Party Content

Information and opinions in requested website materials may be provided by third parties and obtained from sources believed to be reliable; however, accuracy and completeness cannot be guaranteed.

Information is for informational purposes only and is not a solicitation to buy or sell any products mentioned. It should not be the sole basis for financial decisions or construed as advice tailored to any specific individual.

Trademarks and Media Mentions

Media logos and trademarks are the property of their respective owners. No endorsement by those owners of Hilgardt Lamprecht or Opuera Wealth is stated or implied.

Appearances in Kiplinger were obtained through a PR firm.

Service Statement

AE Opuera Wealth provides services without regard to religious affiliation, and the views of individual advisors are not necessarily the views of AE Opuera Wealth. 431052.