*Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.
** Investments that exceed the FDIC limit are subject to the credit risk of the bank, it is the responsibility of the investor to consider the total deposit held with their bank when reviewing FDIC coverage. Returns may be less than that of traditional CD's or debt instrument of comparable maturity. MILCD's typically do not offer periodic income; investors with current income needs should not invest in Market Linked CD's. Market-Linked CD's offer limited liquidity, as there is no secondary market without guarantee that early redemption may be allowed. Such early redemptions are subject to loss of principal and penalties as outlined in their Disclosure Statement.
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.
Guarantees are based on the claims paying ability of the issuer.
Investments are: *Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.
***
There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.
Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact David Treece at 10800 BISCAYNE BLVD, SUITE 725, MIAMI FL 33161 or (305) 751-8855 to obtain a prospectus, which should be read carefully before investing or sending money.
Registered Representative: Securities and Advisory Services offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera is under separate ownership from any other entity.
