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LONGEVITY RISK

INFLATION RISK

SEQUENCE OF RETURNS RISK

WITHDRAWAL RATE RISK

RELATIVE INCOME VALUE

SOCIAL SECURITY RISK

HEALTHCARE RISK

HEALTH & YOUR WEALTH

TAXATION RISK

Disclosures

Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company.

Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.

Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.