Disclosures

Last updated: October 9, 2026

This page explains how Darryl Pryor and Alicia Pryor are licensed and compensated, what the professional designations shown on this site mean, and the legal limitations on the advice offered through this website. If anything here is unclear, ask before moving forward. That's what the discovery call is for.

Licensing

Darryl Pryor and Alicia Pryor are licensed as insurance producers. Insurance products are offered through DNA Financial & Associates. DNA Financial & Associates also provides strategic tax planning and advisory services, accounting and bookkeeping, financial planning, financial education and financial coaching. None of those are securities or investment advisory services.

Investment Advisory Services vs. Everything Else

This practice offers two distinct kinds of service, and the difference decides who is responsible, who is paid, and under which rules:

  • Investment advisory services are offered by Darryl Pryor as an Investment Adviser Representative of Wealth Watch Advisors, Inc., a registered investment adviser (CRD #172002, SEC file number 801-96180). These services are provided under that firm's registration and its agreements, and are subject to the fiduciary duties that apply to that advisory relationship. They are provided only by the person named here.
  • Insurance, tax planning and advice, accounting, financial planning, education and coaching are offered through DNA Financial & Associates. These are not securities or investment advisory services.

DNA Financial & Associates is not a registered investment adviser. Investment advisory services through Wealth Watch Advisors, Inc. require a separate written advisory agreement. For our own services, we explain the scope of our work, our fees, and how we are paid before you engage us.

Verify Our Registration

Registration and disciplinary history can be checked independently, and it costs nothing to look:

Wealth Watch Advisors, Inc.'s firm CRD number is 172002. Darryl Pryor's individual CRD number is 3265701. Search either number directly on IAPD or BrokerCheck to pull the full record.

Regulatory Filings

These are the disclosure documents Wealth Watch Advisors, Inc. is required to prepare and make available. You are entitled to read them before you engage anyone, and they are worth reading: Form CRS in particular is short, plain-English, and covers fees and conflicts of interest directly.

Jurisdictional Limitation

An insurance producer may only transact insurance business in a state where the license is active, or where they are otherwise excluded or exempted from that state's licensing requirements.

Separately, Wealth Watch Advisors, Inc. and its investment adviser representatives, including Darryl Pryor, may only transact business in a state if first licensed, excluded, or exempted from that state's requirements. This website is reachable from everywhere, and its presence on the internet is not a solicitation of investment advisory services to anyone in a jurisdiction where that would not be permitted.

Government Programs and Affiliation

This site discusses federal employee benefits, the Thrift Savings Plan, FERS, FEHB, FEGLI, Social Security and Medicare. DNA Financial & Associates, its staff, and anyone described on this site are private parties. They are not affiliated with, endorsed by, employed by, or acting on behalf of the United States government, the Office of Personnel Management, the Thrift Savings Plan or its board, the Social Security Administration, the Centers for Medicare & Medicaid Services, or any federal or state agency.

Nothing here is official guidance about a government benefit. Your agency's human resources office, OPM, the TSP, the Social Security Administration and Medicare are the authoritative sources for what your benefits are and what elections you may make, and their determinations govern over anything said on this site. Verify any figure that matters with them before you act on it.

Forward-Looking Statements and Performance

Nothing on this site is a projection, a target, a model portfolio, or back-tested or hypothetical performance, and no investment performance figures are presented anywhere on it. Where a strategy, a service or a product is described, that description covers what it is intended to do, not what it will do. Any illustration prepared for you personally will state its own assumptions, and those assumptions are not predictions.

Any benefit described on this site carries corresponding costs, limitations and risks, which depend on the specific product or strategy and on your own circumstances. Those are disclosed in the governing documents before you decide anything. Ask for them, and read them.

Professional Designations

None of the designations below are issued, endorsed, or regulated by any federal or state government agency, the Social Security Administration, or the Centers for Medicare & Medicaid Services, unless stated otherwise.

CFF, Certified Financial Fiduciary®

Issued by the National Association of Certified Financial Fiduciaries. A private designation held by Darryl and Alicia Pryor. The Association sets and verifies its own requirements; it is not a state or federal license, and it does not authorize anything a license does not already allow.

ChFC®, Chartered Financial Consultant®, and CLU®, Chartered Life Underwriter®

Issued by The American College of Financial Services. Private designations held by Todd Bothwell. The College sets and verifies its own requirements; they are not state or federal licenses, and they do not authorize anything a license does not already allow.

Certifications and Affiliations Shown on This Site

Logos and badges shown elsewhere on this site represent professional designations, memberships, and media appearances. They are not third-party awards, rankings, or endorsements. Professional designations and memberships generally carry their own education, examination, or membership fees.

Compensation and Conflicts of Interest

We may receive commissions and other compensation from insurance companies when policies are issued. Compensation varies by product and insurer and creates an incentive that can affect recommendations. Insurance contracts may include charges, surrender costs, rider costs, and other limitations. We explain the applicable costs, compensation, and conflicts before implementation. Guarantees depend on the issuing insurer's claims-paying ability and the terms of the contract.

Separately, DNA Financial & Associates charges fees for its Money Management Plans and for tax services, which you agree to before you sign up.

Investment advisory services provided through Wealth Watch Advisors, Inc. are compensated separately. Advisory fees are agreed in writing in the advisory agreement, and Wealth Watch Advisors, Inc.'s Form CRS and Form ADV describe its fees and conflicts of interest.

General Disclosures

  • Past performance does not guarantee future results, and nothing on this site is a promise of any specific outcome.
  • This website is for informational purposes only and does not constitute personalized investment, tax, or legal advice, or an offer to buy or sell any security. Individual results vary based on each client's specific facts and circumstances.
  • Insurance product guarantees (including any "principal protection" or "guaranteed income" features) are backed solely by the financial strength and claims-paying ability of the issuing insurance company, not by DNA Financial & Associates, Darryl Pryor and Alicia Pryor, or any government agency.

Contact Us

Questions about anything on this page can be directed to:

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We work with clients virtually. Availability varies by service and by applicable licensing and registration requirements. Insurance and investment advisory services are provided only where permitted.

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©2026 DNA Financial & Associates

Regulatory documents:
Wealth Watch Advisors, Inc. — Form CRS (Client Relationship Summary)Wealth Watch Advisors, Inc. — Form ADV Part 2A (firm brochure)Wealth Watch Advisors, Inc. — Form ADV Part 2B (Darryl Pryor's brochure supplement)
DNA Financial & Associates provides strategic tax planning and advisory, accounting and bookkeeping, insurance, financial planning, coaching, and education services. Investment advisory services are offered separately through Wealth Watch Advisors, Inc., an SEC-registered investment adviser, by Darryl Pryor in his capacity as an Investment Adviser Representative. DNA Financial & Associates is not a registered investment adviser. Investment advisory services through Wealth Watch Advisors, Inc. require a separate written advisory agreement. Registration does not imply a particular level of skill or training. DNA Financial & Associates is a private company. It is not affiliated with, endorsed by, or acting on behalf of the United States government, the Office of Personnel Management, the Thrift Savings Plan, the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other government agency. Nothing on this site is official guidance about a government benefit; your agency's HR office and the administering agency are the authoritative sources.
Any reference on this site to guaranteed income, principal protection or similar benefits refers only to fixed insurance products, and not to securities or investment advisory products; those guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. The information and opinions on this website and in any material requested from it are drawn from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.
Wealth Watch Advisors, Inc. and any investment adviser representatives of Wealth Watch Advisors, Inc., including Darryl Pryor, may only transact business in a state if first licensed, excluded, or exempted from the applicable licensing requirements. Any subsequent communications that involve either effecting or attempting to effect transactions in securities, or rendering personalized investment advice for compensation, will not be made without complying with appropriate state registration requirements or obtaining an applicable exemption or exclusion. The presence of this website on the internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Any media logos and/or trademarks used on this website are the property of their respective owners and no endorsement by those owners of the advisor or firm is stated or implied.

Verify registration and disciplinary history via the SEC's Investment Adviser Public Disclosure (IAPD) database. Full designation definitions and compensation disclosures are on our Disclosures page.

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