Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting and Education services offered through Citizen Advisory Group. Property and Casualty Insurance services offered through Foresight Insurance, LLC. Advisory Alpha, LLC, Citizen Advisory Group and Foresight Insurance, LLC are separate entities. 2022 Citizen Advisory Group LLC. All Rights Reserved.
Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark.
Members of the Investment Team work directly with our firm and personnel but are licensed with Advisory Alpha, a SEC Registered Investment Advisor. The Investment Team is not necessarily involved with the research, due diligent, and portfolio management functions related to all investment products or solutions used for each client. CFA® is a trademark owned by the CFA Institute. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP in the U.S. which it awards to individuals who successfully complete CFP board’s initial and ongoing certification requirements.
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An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees, and optional contract riders and benefits. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain Annuity product features, offered by some Annuity companies, such as a stepped-up death benefit, a bonus credit, and a guaranteed minimum income benefit, carry added fees. If you are investing in an Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances, you should only consider buying an Annuity if it makes sense because of the Annuity’s other features, such as lifetime income payments and death benefit protection. All guarantees of an Annuity are backed by the claims-paying ability of the issuing insurer.
While your financial advisor may provide information relative to taxes, insurance and estate planning, Advisory Alpha does not offer tax, insurance, or legal services. Any decisions relative to these topics should be discussed with a tax, insurance or legal professional prior to implementation. As required by the IRS, you are advised that any discussion of tax issues in this material is not intended or written to be used, and cannot be used, (a) to avoid penalties imposed under the Internal Revenue Code or (b) to promote, market or recommend to another party any transaction or matter addressed herein. All tax information is provided for illustrative purposes only, does not reflect an actual investor, and is not intended to predict your specific tax liabilities. Tax rates vary based on your situation and change over time.