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While the information in this book is believed to be accurate, distribution of this material should not be considered an endorsement of any particular investment strategy, product, or service described herein. This information is being provided only as a general source of information and is not intended for use as a primary basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individ- ual investor. Please seek the advice of your personal accountant, attorney, or tax and financial advisors regarding your particular financial concerns.

In addition, please note the following:

  • Mutual funds are offered by prospectus only. For more information about individual mutual funds, including fees and expenses, ask your financial advisor or product provider for a prospectus. Read the prospectus carefully before you invest or send money.

  • Loans and withdrawals from an insurance contract may generate income tax liability, reduce available cash value, and reduce the death benefit. Negative performance in the underlying subaccounts of variable insurance products may impact the death benefit. Refer to your individual contract for applicable provisions. Guarantees issued by insurance companies are based on the claims paying ability of the issuing insurance company.

  • Stocks of small or midsized companies are generally subject to greater price fluctuations than large-cap stocks.

  • International investing involves some risks not present with U.S. investments, such as currency fluctuations and other economic and political factors.

  • Interest received from investments in Municipal Bond Funds may be subject to Alternate Minimum tax (AMT).

  • Variable Annuities and Insurance Products are subject to fees and expenses that may impact performance.

  • Most annuities have a tax-deferred feature. So do certain retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax deferred, your annuity will not provide any necessary or additional tax deferral for you retirement plan.

  • Options are not suitable for all investors. Ask your financial advisor for an options risk disclosure booklet and read it carefully before investing in options.

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