Important Disclosures
Please read these disclosures carefully
This website provides educational information only. Nothing on this site should be construed as investment advice, financial planning, or a recommendation to purchase any specific financial product.
Not Investment Advice
The information provided on this website is for educational purposes only and does not constitute investment advice. We do not recommend or endorse any specific investment strategy, financial product, or course of action. Always consult with a qualified financial advisor before making financial decisions.
Annuity-Specific Disclosures
- Guarantees: All guarantees mentioned are backed by the claims-paying ability of the issuing insurance company. We make no guarantees about any insurance company's financial strength.
- Product Variation: Annuity products vary significantly by insurance company, state, and product type. Features, benefits, costs, and restrictions differ.
- Liquidity: Annuities typically have limited liquidity. Surrender charges may apply for early withdrawals. Once annuitized, access to principal is generally restricted or eliminated.
- Fees: Annuities may include various fees such as mortality and expense charges, administrative fees, investment management fees, and rider fees. These vary by product.
- Inflation: Unless specifically designed with inflation protection, fixed annuity payments do not adjust for inflation and will lose purchasing power over time.
No Guarantees of Results
We make no guarantees, promises, or warranties regarding:
- • Future investment returns or income amounts
- • The performance of any financial product or strategy
- • Tax benefits or implications
- • Suitability for your individual circumstances
Past Performance Not Indicative of Future Results
Any historical information, examples, or performance data presented is for illustrative purposes only. Past performance does not guarantee or indicate future results. All investments carry risk, including potential loss of principal.
State Licensing and Availability
Financial professionals referenced through this website are licensed in specific states only. Not all advisors are licensed in all states. Products and services may not be available in your state. State insurance regulations vary.
Tax and Legal Advice
This website does not provide tax or legal advice. Tax laws are complex and subject to change. Consult with qualified tax and legal professionals regarding your specific situation.
Insurance Product Disclosure
Annuities are insurance products. They are not bank deposits and are not insured by the FDIC or any federal government agency. They are not guaranteed by any bank or savings association. Annuities involve investment risk, including possible loss of principal.
State Guarantee Funds
While state guarantee associations provide some protection if an insurance company becomes insolvent, coverage limits vary by state. This protection should not be a primary factor in purchasing an annuity. Always evaluate the financial strength of the insurance company.
No Fiduciary Relationship
Providing general educational information through this website does not create a fiduciary relationship, advisory relationship, or professional-client relationship. Any advisory relationships that may form will be through separate agreements with licensed professionals.
Accuracy of Information
While we strive to provide accurate and current information, we make no representations or warranties about the completeness, accuracy, reliability, or timeliness of the content. Financial products, regulations, and tax laws change frequently. Information may become outdated.
Examples and Hypotheticals
Any examples, case studies, or hypothetical scenarios presented on this website are for illustrative purposes only. They do not represent actual clients or guaranteed outcomes. Your results will differ based on your specific circumstances.
Suitability
Not all financial products or strategies are suitable for all individuals. Annuities, in particular, have specific features and limitations that make them appropriate for some situations but not others. A licensed professional must evaluate your individual circumstances to determine suitability.
Comparative Information
When we compare annuities to other financial products (such as CDs or market investments), these comparisons are general in nature. Specific products may have different features, benefits, and risks than described.
Independent Research Required
You should conduct your own independent research and due diligence before making any financial decisions. Do not rely solely on the information provided on this website.
IMPORTANT REMINDER
Before purchasing any annuity or financial product, carefully review all contract terms, prospectuses, and disclosure documents. Understand all fees, charges, restrictions, and features. Ask questions until you fully understand what you're purchasing. Consider consulting with multiple professionals to get different perspectives.