Terms of Use
Last updated October 5, 2026
By using followingseasretirement.com, you agree to these terms. Following Seas Retirement is the business name of Perry Bonney, a licensed insurance agent.
Education, not advice
The content on this site, the review questions, and the Retirement Risk Review are general education. They are not investment, tax or legal advice, a personalized recommendation, or an offer to sell any product. The questions set an agenda for a conversation. They don't calculate your risk level or project returns.
Who does what
Perry Bonney takes your first call and does not recommend products. Retirement Risk Reviews are conducted by Leveraged Financial, a licensed insurance agency. Insurance and annuity products, if any are discussed, are offered only by agents licensed in your state. Neither Following Seas Retirement nor Leveraged Financial is a registered investment adviser, broker-dealer, tax adviser or law firm.
No guarantees
We make no promise about any financial outcome. Any product's guarantees are backed only by the financial strength and claims-paying ability of the company that issues it, and its costs, risks, restrictions and disclosures should be reviewed before any decision.
Contact consent
When you submit the review form and check the consent box, you agree to be contacted as that box describes. You can withdraw consent at any time: see Do Not Call / Opt Out.
Not a government site
This is a private website. It is not affiliated with or endorsed by the U.S. Navy, the Department of Defense, the Social Security Administration, or any government agency.
Using this site
Use the site lawfully, give accurate information, and don't try to disrupt it. The site's content and branding belong to Following Seas Retirement. The site is provided as is, and to the extent the law allows, we aren't liable for losses from using it or relying on its general content.
Changes and contact
We may update these terms; the date above shows the latest version. Questions: contact details to be added.