Disclosure.

Prospera Capital LLC
Last Updated: Nov. 6, 2025

1. About Prospera Capital LLC

Prospera Capital LLC (“we,” “us,” “our”) is an independently operated financial services business providing insurance-based retirement strategies, education, and general financial guidance. We work through an Independent Marketing Organization (“IMO”) and are contracted with multiple insurance carriers.

Our purpose is to help clients understand their financial options, evaluate protection strategies, and make informed decisions about retirement, wealth-building, and risk management.

2. Licensing & Agent Information

Licensed Agent: Anna Shandor
National Producer Number (NPN): 21318148

Licensed in the Following States:
North Carolina (NC)
California (CA)
Texas (TX)
Virginia (VA)
New York (NY)
Florida (FL)
South Carolina (SC)
Pennsylvania (PA)
Massachusetts (MA)
Montana (MT)

If you reside outside these states, services may be limited until licensing is approved in your state.

3. Nature of Services Provided

Prospera Capital LLC provides:

  • Insurance guidance and education

  • Retirement strategies using fixed indexed annuities and indexed universal life (IUL)

  • General financial education

  • High-level planning for wealth protection and retirement income

  • Complimentary consultations

We do not provide:

  • Personalized investment advice

  • Securities recommendations

  • Tax or legal advice

  • Fiduciary advisory services (unless otherwise contracted in writing)

All information provided during calls, Zoom meetings, emails, quizzes, or website content is for educational purposes only.

4. Relationship With Carriers & Compensation

Prospera Capital LLC works with multiple insurance companies through an IMO.
Because of this:

  • We may receive compensation (commissions) if you purchase a product.

  • Commissions are paid by the carrier, not by you.

  • Compensation may vary by product or carrier.

  • Carrier selection does not impact the educational information we provide.

We strive to recommend products that align with your goals based on the information you provide.

5. Product Rates, Caps, Spreads & Features

Insurance carriers may change:

  • Rates

  • Caps

  • Spreads

  • Bonuses

  • Participation rates

  • Product availability

  • Product features

These changes are outside of our control.

Prospera Capital LLC is not liable for:

  • Any carrier-made rate changes

  • Product updates

  • Illustration differences

  • Market index performance

  • Changes made after an application is submitted but before policy issue

Always verify final details directly with your agent and review all policy documentation prior to acceptance.

6. No Performance Guarantees

Any projections, examples, calculators, or illustrations provided:

  • Are hypothetical

  • Are based on carrier-provided assumptions

  • Do NOT guarantee future returns

  • Do not predict index performance

  • May not reflect actual future results

Only guarantees explicitly included in a carrier-issued contract are guaranteed — and only by the carrier itself.

7. Conflicts of Interest Disclosure

Prospera Capital LLC discloses that:

  • We may receive commissions from carriers.

  • We may receive performance-based incentives through our IMO.

  • These incentives do not influence the educational information we provide.

You are never required to purchase a product to participate in consultations, quizzes, or educational resources.

8. Tax & Legal Disclaimer

We are not tax professionals or attorneys.

All tax or legal implications related to insurance products should be reviewed with:

  • A certified public accountant (CPA)

  • A tax advisor

  • An attorney

We recommend all clients consult with appropriate professionals before making financial decisions.

9. Client Responsibility

You are responsible for:

  • Providing accurate financial information

  • Reviewing all product disclosures

  • Asking questions before applying

  • Reading all policy documents

  • Confirming that a product matches your needs and risk tolerance

We do not make decisions on your behalf.

10. Contact Information

Prospera Capital LLC
Email: contact@prosperacap.org
Location: North Carolina, USA

If you have questions about this disclosure, please contact us directly.