Effective Date: Upon approved publication
Website: https://overtime-capital.com
1. General Information
Overtime Capital Group LLC ("Overtime Capital Group," "Overtime," "Company," "we," "us," or "our") provides information regarding wealth architecture, business strategy, financial planning coordination, and investment-related activities.
Content on this website is provided for general informational and educational purposes.
Nothing on this website should be interpreted as a guarantee of financial performance, tax treatment, investment eligibility, insurance results, or legal protection.
Financial decisions should be evaluated according to each individual's circumstances and the advice of appropriately qualified professionals.
2. Nature of Overtime's Services
Overtime Wealth Architecture™ 2.0 is a proprietary framework for coordinating multiple components of ownership, capital, liquidity, legacy, and administration.
Its four principal domains are:
- Ownership Architecture.
- Tax & Capital Architecture.
- Legacy & Liquidity Architecture.
- Family Office Administration.
Overtime may assist clients with strategic coordination, education, planning organization, evaluation of potential solutions, and introductions to relevant professional resources.
Descriptions of planning coordination do not mean that Overtime is independently authorized to perform every legal, accounting, investment, securities, insurance, or other regulated service discussed.
Such services, where required, must be performed by appropriately authorized professionals under their respective engagements and regulatory obligations.
Overtime's actual responsibilities are determined by the applicable written agreement and scope of services.
3. No Individualized Legal, Tax, or Investment Advice Through This Website
Website information is not individualized legal, tax, accounting, insurance, investment, or securities advice.
Information provided through an educational article, illustration, consultation request, or general website description is not a substitute for professional advice based on a person's specific facts.
Applicable laws and regulations vary by jurisdiction and may change.
Users should independently consult qualified advisers before implementing strategies discussed on the website.
4. Investment and Securities Disclosures
Overtime may provide information concerning investment sectors, including:
- Oil & Gas and Energy.
- Real Estate.
- Gold and Natural Resources.
- Other Alternative Assets.
Descriptions of these sectors are informational and do not, by themselves, constitute an offer to sell or solicitation of an offer to purchase securities.
Any actual securities offering, where authorized, would be made only through appropriate offering documentation and in compliance with applicable securities laws.
Participation may be limited to investors satisfying specified eligibility and verification requirements.
Potential investors should review all relevant offering materials, contractual terms, economic interests, costs, conflicts, and risk factors before making an investment decision.
No individual should rely on general website material as the sole basis for an investment.
5. Investment Risks
All investments involve risk.
Alternative investments may carry risks that differ substantially from publicly traded securities.
Potential risks include:
- Partial or complete loss of invested capital.
- Limited liquidity.
- Restrictions on resale or transfer.
- Commodity price volatility.
- Business and operating risks.
- Regulatory and legal changes.
- Environmental risks.
- Financing and leverage risks.
- Project delays.
- Cost overruns.
- Counterparty risk.
- Valuation uncertainty.
- Changes in taxation.
- Concentration risk.
- Limited access to current or independently verified information.
Oil and gas operations may be affected by drilling and production outcomes, decline rates, operating expenses, environmental conditions, commodity prices, and reserve uncertainty.
Real estate investments may be affected by market conditions, financing costs, occupancy, construction and operating expenses, and property-specific risks.
Mining and natural resource investments may be affected by extraction feasibility, environmental requirements, resource estimates, commodity prices, and operating conditions.
No investment return, distribution, recovery of capital, or liquidity event is guaranteed.
6. Historical Performance and Illustrations
Historical transactions, projects, market observations, examples, and financial illustrations may be included for educational purposes.
Past performance does not guarantee future results.
Hypothetical examples are not actual client results.
Forecasts, estimated returns, cash-flow calculations, reserve estimates, or financial models are subject to assumptions, uncertainties, and limitations.
Actual results may differ materially.
No website illustration should be interpreted as a guaranteed investment, tax, financing, or insurance outcome.
7. Investor Qualification and Access
Certain investment opportunities may be restricted to qualified or accredited investors or persons meeting other applicable eligibility requirements.
An inquiry, website registration, consultation, or expression of interest does not establish eligibility.
Where required, appropriate verification and documentation may be requested through authorized processes.
Overtime's website does not itself establish a securities purchase, investment commitment, or investor relationship.
Investment decisions are governed by the applicable offering documents and executed agreements.
8. Insurance and Financial Planning Disclosures
Overtime discusses life insurance as one potential component of broader financial planning.
Depending on the product and circumstances, permanent life insurance may provide death benefit protection and policy cash value features.
Insurance contracts involve limitations, costs, risks, and conditions.
Actual terms depend on the issuing insurer, contract provisions, underwriting, premium payments, and policy performance.
Cash value growth is not necessarily guaranteed.
Some insurance policies may experience reduced performance, increased costs, or lapse if improperly funded or managed.
Policy loans generally accrue interest.
Outstanding policy loans and withdrawals can reduce available cash value and death benefits.
Excessive borrowing may increase lapse risk.
A policy lapse or surrender with outstanding indebtedness may create adverse tax consequences.
Any planning involving insurance should be evaluated using appropriate carrier-specific illustrations and qualified professional guidance.
9. The Program™ Disclosures
The Program™ is Overtime Capital Group's proprietary planning process focused on coordinating strategies for eligible individuals whose peak earning years and longer-term retirement or pension timelines may not align.
The Program is not a financial product, insurance policy, securities offering, or guarantee of retirement income.
Its processes may involve coordination of insurance-related planning, tax considerations, legal structures, ownership design, and liquidity strategies.
Availability and suitability depend on individual circumstances.
The Program's Athlete, Executive, Legacy, and other editions are intended to address different planning needs.
Descriptions of advanced concepts do not establish that any particular strategy has been implemented, approved by regulators, or determined suitable for an individual.
Insurance contracts and professional engagements are governed by their own terms.
10. Policy Loans, Tax Treatment, and MEC Considerations
Policy loans must be evaluated under the applicable insurance contract and current tax law.
Loans may generate interest obligations and affect cash value, death benefits, and policy sustainability.
Certain withdrawals, loans, or distributions may receive different tax treatment depending on the policy's status, ownership, funding history, and applicable law.
Policies classified as Modified Endowment Contracts may receive less favorable tax treatment for certain distributions.
No website material represents that a particular funding schedule will automatically avoid Modified Endowment Contract classification.
Life insurance premiums and policy-loan interest are generally not deductible merely because a policy forms part of a financial planning strategy.
Any proposed deduction, tax exclusion, or other tax treatment requires specific professional analysis.
11. The Program™ | Aviation Disclosures
The Program Aviation includes educational material concerning aircraft-related financial planning, ownership considerations, potential financing arrangements, and insurance-based liquidity concepts.
Any aircraft acquisition example or interactive calculation is hypothetical unless expressly identified otherwise.
Illustrative figures may include:
- An aircraft purchase price of $6,000,000.
- A hypothetical policy-loan component of $1,800,000.
- Separate hypothetical aviation financing of $4,200,000.
- Assumed policy contributions, financing rates, payment terms, and other planning inputs.
These examples do not represent an actual approved aircraft financing package, an insurer's contractual illustration, a lender commitment, or a guaranteed available policy-loan amount.
Policy contributions do not automatically produce an immediately accessible or equivalent cash value.
Insurance policy loans involve actual debt obligations and interest.
Aircraft financing remains subject to independent lender underwriting, collateral requirements, borrower qualification, and other approval conditions.
Aircraft ownership and charter operations may involve additional aviation regulatory, tax, insurance, operational, and legal requirements.
Potential charter revenue does not guarantee that ownership expenses will be offset.
No example guarantees that a particular aircraft may be acquired, financed, operated, or chartered under the proposed assumptions.
Visitors should obtain independent professional evaluations before relying on these concepts.
12. Tax Planning Disclosures
Overtime discusses tax-aware planning as one aspect of coordinated financial strategy.
Tax laws are complex, fact-dependent, and subject to change.
Tax treatment may depend on:
- Entity type.
- Ownership and control.
- Investment characteristics.
- Basis.
- Holding period.
- Income classification.
- Applicable federal and state laws.
- Documentation.
- Economic substance.
- Professional implementation.
No specific tax deduction, tax credit, income exclusion, deferral, exchange treatment, or other outcome is guaranteed.
References to potential tax savings do not mean every person or transaction qualifies.
Overtime does not represent that every structure discussed will receive a particular tax result.
Qualified tax professionals should review all proposed tax strategies before implementation.
13. Trusts, Entities, and Asset Protection
Trusts, corporations, limited liability companies, and other legal structures may play important roles in ownership and estate planning.
However, legal structures do not automatically eliminate taxes, eliminate liability, protect assets from all creditors, or prevent legal claims.
Their effectiveness depends on legal requirements, proper formation, administration, funding, timing, ownership, and compliance.
Asset protection, estate planning, and entity formation strategies should be reviewed and implemented by appropriately qualified legal and tax professionals.
No website statement guarantees creditor protection, confidentiality from government authorities, or immunity from lawful reporting obligations.
14. Family Office and Administrative Services
Descriptions of family office administration, professional coordination, reporting, record organization, or strategic oversight are intended to explain potential service functions.
They do not imply that Overtime is acting as a custodian, bank, trustee, fiduciary, registered adviser, or other regulated institution merely by describing these functions.
Specific responsibilities must be established through an appropriate written engagement and applicable legal authority.
Third-party professionals may remain responsible for services performed under their own engagements.
15. Independent Professionals and Strategic Partners
Overtime may collaborate with or refer individuals to independent attorneys, CPAs, insurance professionals, consultants, and other qualified service providers.
These professionals and their firms are separate from Overtime unless a specific relationship is expressly disclosed.
Each professional remains responsible for services performed within their own scope of engagement and authority.
An introduction does not guarantee a professional's acceptance of an engagement or a particular outcome.
Any actual referral compensation, economic interest, affiliation, or potential conflict must be disclosed as required by applicable law and relevant agreements.
16. Compensation and Conflicts of Interest
Overtime may charge fees for services under applicable agreements.
Different transactions, services, or professional relationships may involve different compensation structures and economic interests, where legally permissible.
Potential conflicts of interest should be evaluated and disclosed as required by law and contract.
Information presented on this website should not be interpreted as proof that a particular service or opportunity is free of compensation-related conflicts.
Prospective clients and investors should review applicable fee arrangements, economic interests, referral relationships, and conflict disclosures before entering into agreements.
17. Biographies, Professional Backgrounds, and Affiliations
Professional biographies and background information are provided for general informational purposes.
Biographical information may include historical athletic, military, professional, business, educational, or other experience.
Such references do not necessarily indicate an endorsement by a former employer, athletic organization, professional association, government agency, or military organization.
Unless expressly authorized and disclosed, Overtime is not affiliated with or endorsed by the NFL, any other professional sports league, team, players association, the United States Armed Forces, or any government agency.
References to independent professional advisers do not represent that they are employees of Overtime.
Credentials, memberships, licenses, and professional registrations are subject to verification.
18. Testimonials and Endorsements
Any testimonials, endorsements, client experiences, or professional references displayed on the website are subject to applicable marketing and regulatory requirements.
Individual experiences may not be representative of others.
No testimonial or endorsement guarantees similar results.
Where applicable, material compensation, affiliations, or other relevant relationships must be disclosed.
Overtime does not intend to present fabricated client endorsements or performance claims.
19. Educational Articles and Market Commentary
Articles, insights, market commentary, and other educational publications may discuss historical conditions, potential strategies, investment sectors, and financial planning concepts.
Such materials are not individualized advice or guarantees of future market conditions.
Information may become outdated.
Readers should verify significant facts and consult qualified professionals before acting on information in educational materials.
The publication date of an article does not establish its continued accuracy.
20. Third-Party Portals and Scheduling
Overtime's website may connect visitors to third-party scheduling systems, investor portals, and external professional resources.
Each service may operate under separate terms and privacy practices.
Submitting an appointment request does not automatically establish a client or professional advisory relationship.
Access to a third-party investor portal does not guarantee investment eligibility or availability of particular opportunities.
Visitors should review the applicable provider's terms and security procedures.
21. Privacy and Information Security
Personal information collected through the website is addressed in Overtime's separate Privacy Policy.
Visitors should not transmit highly sensitive financial information, banking credentials, passwords, tax returns, or personal identification documents through ordinary website contact forms.
Where necessary, sensitive records should be transmitted through an appropriately approved secure process.
No online communication method is completely free from security risk.
22. Proprietary Frameworks and Intellectual Property
Overtime Wealth Architecture™, The Program™, and Move Smarter With Money™ are branding and planning-framework identifiers associated with Overtime Capital Group.
Original diagrams, website content, visual materials, and proprietary planning processes may be protected by applicable intellectual property laws.
The use of a ™ symbol does not by itself represent federal registration.
Third-party brands and trademarks remain the property of their respective owners.
Unauthorized reproduction or commercial exploitation of protected materials may violate applicable law.
23. Important Investor and Client Reminder
Before implementing any strategy, purchasing an investment, entering a financing arrangement, or obtaining an insurance policy, individuals should:
- Understand the proposed structure.
- Review applicable documents.
- Consider financial and legal risks.
- Evaluate fees and potential conflicts.
- Understand liquidity requirements.
- Obtain appropriate professional advice.
- Verify that the strategy is suitable and legally available for their circumstances.
There are no universally appropriate financial strategies.
Each decision requires individualized analysis.
24. Contact Information
For questions regarding these disclosures, contact:
Overtime Capital Group LLC
Frisco, Texas, United States
Website: https://overtime-capital.com
Email: info@overtime-capital.com
Phone: (214) 305-8477
© 2026 Overtime Capital Group LLC. All rights reserved.