Important Disclosures:

The information provided is intended to be educational in nature and is not intended to be a recommendation for any specific investment product, insurance product, strategy, plan feature or other purposes. Communications such as this are not impartial and are provided in connection with advertising and marketing. This material is not suggesting a specific course of action or any action at all. Accordingly, it should not be construed by any consumer and/or prospective client as the rendering of personalized investment advice for compensation. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, insurance, legal, or tax professional that takes into account all of the particular facts and circumstances of an investor’s own situation. Investment advisory services are offered through Veraz Advisors, LLC, 2355 San Ramon Valley Blvd, Suite 204, San Ramon, CA 94583 (“Veraz”). Additional information about Veraz Advisors, LLC is available on the SEC’s website at Insurance Products are offered through Veraz Insurance Solutions, LLC. When clients purchase annuities from Veraz Insurance Solutions, LLC, agents receive compensation in the form of commission. No person associated with Veraz Advisors, LLC is a licensed attorney or tax professional and the information contained herein should not be considered tax or legal advice.

Annuities can be an important part of your overall portfolio, but may not be appropriate for everyone. Before purchasing an annuity, it is important to understand the details of the product. The terms of each indexed annuity varies. It is always important to speak to your financial advisor about an annuity’s features, benefits, and fees, and whether an annuity is appropriate for you, based on your financial situation and objectives. An indexed annuity may or may not be registered with the United States Securities and Exchange Commission (SEC) as a security. Participation rates, cap rates and/or index spreads may be subject to change by the insurance company according to the annuity contract provisions. If the insurance company makes such changes, this could adversely affect the return. Guarantees of the Indexed Annuity are backed by the claims-paying ability of the underwriting insurance company. The surrender charge period for this product may be longer and the surrender charges may be higher than other annuity products. Indexed Annuities are long-term investments. If the annuity contract is surrendered early, there is the possibility of a surrender charge being imposed and/or the funds may be subject to income taxes. The IRS may also impose a 10% penalty on withdrawals prior to age59 1⁄2, depending on the circumstances. With indexed annuities, there is the potential to lose money, depending on the product charges and minimum guarantee contract provisions.

For additional information on annuities, reference the following web sites: The FINRA( the Securities and Exchange Commission ( InsuredRetirement Institute ( the National Association of Insurance Commissioners( or your state’s Insurance Department.