The information provided on this website is for general informational and educational purposes only and is not intended to constitute legal, financial, tax, investment, or insurance advice. While efforts are made to ensure that the information presented is accurate and up to date, no guarantees are made regarding its completeness, accuracy, reliability, or applicability to any individual situation.

Korben Luther operates as a federal benefits specialist providing general education and awareness regarding federal employee benefits. Nothing on this website should be interpreted as individualized advice or a recommendation of any specific financial or insurance product. Korben is an independent insurance agent operating under American Benefits Exchange. This website (abxbenefithelp.com) is independently owned and operated and is not the official website of American Benefits Exchange or any government agency.

This website is not intended to replace official government resources, agency guidance, plan documentation, or advice from licensed or qualified professionals. Decisions regarding benefits, retirement planning, investments, or insurance should be made only after reviewing official plan materials and consulting with qualified professionals as appropriate.

This website does not provide individualized investment advice, does not manage or direct retirement accounts such as the Thrift Savings Plan (TSP), and does not offer instructions on buying, selling, or reallocating securities or investments. Any examples, scenarios, or stories shared are for illustrative and educational purposes only and may not reflect actual outcomes.

No fiduciary relationship is created by use of this website, submission of information, scheduling of appointments, or participation in any educational discussions or communications.

Use of this website and reliance on any information provided is at your own risk. By accessing and using this website, you agree that Korben Luther and ABX Benefit Help shall not be held liable for any losses, damages, claims, or consequences arising directly or indirectly from reliance on the information provided.

This disclaimer applies to all pages, forms, educational materials, appointment-related communications, and associated outreach connected to this website.