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This information has been provided by a Licensed Financial and Insurance Professional and is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host a   re not providing legal, accounting or specific advice for your situation. The statements and opinions expressed are those of the author and are subject to change at any time. All information is believed to be from reliable sources; however, presenting professional makes no representation as to its completeness or accuracy.

Securities offered through CreativeOne Securities, LLC, Member FINRA/SIPC. Retiring Smarter and Retirement Defenders are affiliated. Retiring Smarter and Retirement Defenders are not affiliated with CreativeOne Securities, LLC.

Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice and is not sponsored or endorsed by the Social Security Administration or any government agency.

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Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 18891 - 2019/5/22