Important Disclosures

The following disclosures are provided to ensure full transparency and compliance with regulations and applicable state and federal securities laws.

requires that we provide you with access to , a free tool that allows you to research the professional background of current and former -registered securities firms and brokers. You are encouraged to use before working with any financial professional.

Check the background of this financial professional on ‘s : .

General Information Disclaimer

The information provided on this website, including all articles, guides, and educational content, is for general informational and educational purposes only. It is not intended as and should not be construed as personalized investment advice, tax advice, legal advice, or a recommendation to buy or sell any specific security or insurance product. The content on this website does not take into account your individual financial situation, investment objectives, risk tolerance, or specific needs.

No Investment Advice

Nothing on this website constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities, annuities, or insurance products. Any references to specific investment types, products, or strategies are provided for educational purposes only and should not be interpreted as personalized advice. Past performance is not indicative of future results. All investing involves risk, and you should consult with a qualified financial professional before making any investment decisions.

Risk Disclosure

Investments involve risk, including the possible loss of principal. The value of your investments can go down as well as up, and you may receive back less than you originally invested. There is no guarantee that any investment strategy, including diversification and asset allocation, will be profitable or protect against loss in declining markets. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable for your situation.

Annuity Guarantees Disclaimer

Annuity guarantees, including guarantees of principal protection, minimum interest rates, and lifetime income, are subject to the claims-paying ability and financial strength of the issuing insurance company. Annuities are not FDIC insured, are not bank guaranteed, are not deposits, and are not insured by any federal government agency. Fixed indexed annuities do not directly participate in any stock or equity investment. The index-linked interest credits are based on the performance of a specific market index and are subject to caps, participation rates, and spreads that may limit your returns. Surrender charges may apply to withdrawals made during the surrender period. Early withdrawals before age 59 and one-half may be subject to a 10% federal tax penalty in addition to ordinary income taxes.

Insurance vs. Securities

Fixed annuities and fixed indexed annuities are insurance products issued by insurance companies and are not securities. They are regulated by state insurance departments and are not subject to SEC registration. Variable annuities are securities products registered with the SEC and are subject to both securities and insurance regulation. Mutual funds, unit investment trusts (UITs), and variable annuities are securities products that must be sold by a holding appropriate registrations.

State Licensing Disclosure

is a and is licensed to conduct securities business in the following states: Texas (TX), Florida (FL), North Carolina (NC), South Carolina (SC), and Tennessee (TN). also holds Life Insurance licenses in these states for the sale of fixed and fixed indexed annuity products. Business may only be conducted in states where properly licensed, registered, or exempt from registration requirements.

Form CRS (Customer Relationship Summary)

As required by SEC Regulation Best Interest (Reg BI), a Form CRS — Customer Relationship Summary — is available upon request. Form CRS provides important information about the types of services offered, fees and costs, conflicts of interest, and the standard of conduct applicable to the recommendation of securities products. You may also obtain Form CRS by visiting sec.gov/crs or by contacting us directly.

Privacy Policy

We are committed to protecting your personal information. For details on how we collect, use, and safeguard your information, please review our Privacy Policy. We do not sell your personal information to third parties.

Membership

Securities are offered through a that is a member of the Financial Industry Regulatory Authority () and the (). protects against the loss of cash and securities held by a customer at a financially-troubled -member brokerage firm, up to $500,000 (including $250,000 for cash). does not protect against market losses. For more information, visit .

Last updated: April 2026. These disclosures are subject to change. Please check back periodically for updates.