Revolutionary Wealth's Financial Services

Key Takeaways

• “Financial services” in this article refers to the integrated planning, investment management, tax, estate, and retirement solutionsRevolutionary Wealth provides to individuals nearing or in retirement and to business owners—not mass-market banking or one-size-fits-all products.

• Revolutionary Wealth is an independent fiduciary firmin the top 0.1% of advisorsby specialization and capability, managing over $100 million directly and advising on over $500 million annually through the Lion Street network.

• Our core differentiator is specialized expertisein Retirement Tax Planning, Estate Planning with coordinated Will & Trust setup, Cash Balance and defined benefit strategies, and thoughtful annuity use to reduce risk and taxes.

• We focus on understanding and serving our customers' unique needs, particularly clients typically aged 59–67 and business owners earning $500,000+, building trust and loyalty by providing sophisticated, coordinated personal and business planning that goes far beyond what typical financial institutions offer.

• The easiest way to explore whether Revolutionary Wealth is right for youis tobook a complimentary consultationto review your retirement, tax, or business exit plan with a fiduciary advisor who specializes in exactly what you’re facing.

What Are Financial Services Today?

The term “financial services” covers a vast ecosystem. It includes banks, investment firms, insurance companies, fintech platforms, and countless other financial institutions that process payments, extend credit, and manage capital for millions of consumers and businesses every day. Globally, this sector represents approximately a quarter of the world’s economic activity and employs over six million people in the United States alone.

Major financial cities such as New York City and London serve as global centers for investment banking, foreign exchange, and other financial services, playing a dominant role in the finance industry. The United States is the largest commercial banking services location, while New York City and London are the largest centers for investment banking services. The United States, followed by Japan and the United Kingdom, are the largest insurance markets in the world. The finance industry and financial services industry include commercial banks that provide market liquidity, risk instruments, and brokerage for large public companies. Compared to other industries, the financial sector is traditionally among those to receive government support in times of widespread economic crisis.

Financial services are global in nature, with countries exporting and importing other financial services through offshore financial centres. A financial export is a financial service provided by a domestic firm to a foreign firm or individual, and the United Kingdom is the leading financial exporter in terms of exports less imports. Offshore financial centres attract both residents and non-residents, including international firms and persons seeking specialized services.

But for individuals approaching retirement or business owners planning an eventual exit, most of this broad financial services industry feels impersonal—even irrelevant.

At Revolutionary Wealth, we define financial services services differently. We provide integrated, fiduciary advice across investments, taxes, retirement income, estate planning, and business planning for clients who have outgrown generic solutions. Unlike mass-market banks or product sales representatives working for large financial institutions, our role is to coordinate every aspect of your wealth so that each decision supports your larger goals.

The financial services ecosystem includes a wide range of offerings such as debt instruments (like bonds), securities trading and infrastructure for institutional clients, private banking and private equity for exclusive clients, and property-related services that integrate tenant, property, and market data for risk assessment and investment opportunities. The industry also relies on advanced data and analytics to verify person identity, assess credit, and identify households likely to purchase or invest in products and services, allowing institutions to scale operations efficiently.

Here are the concrete categories of services most relevant to our clients:

The difference between transactional financial services and what we do is fundamental. A transactional relationship means buying a product and moving on. A fiduciary advisory relationship means someone is legally obligated to put your interests first—every time, on every decision—and to coordinate all aspects of your wealth over decades.

Ready to understand how these services fit your specific situation?Book a 30–60 minute strategy call with Revolutionary Wealthto explore what integrated planning could look like for you.

Why Work with a Fiduciary Financial Services Firm Like Revolutionary Wealth?

The word “fiduciary” gets thrown around a lot in the financial services industry. But for retirees and business owners, understanding what it actually means can protect you from costly mistakes.

A fiduciary is legally obligated to act in your best interest—not the interest of their employer, their commission structure, or their company’s proprietary funds. This is fundamentally different from a suitability standard, where an advisor only needs to recommend something that is “suitable” for you, even if better options exist elsewhere.

Revolutionary Wealth is an independent fiduciary firm. We are not owned by a bank, insurance company, or investment product manufacturer. That independence means we are never required to push proprietary products, in-house funds, or annuities that benefit us more than they benefit you.

We lead the industry in fiduciary standards and innovative financial planning solutions, setting a benchmark for excellence and client-focused service.

What puts us in the top 0.1%?

When we say Revolutionary Wealth is in the top 0.1% of financial advisors, we are not talking about assets under management or marketing spend. We are talking about specialization:

• Advanced retirement tax planningthat models decade-by-decade strategies for Roth conversions, RMDs, and Medicare surtax thresholds

• Cash balance and defined benefit plan expertisethat most advisors cannot offer because they lack the actuarial knowledge

• Sophisticated retirement income designthat coordinates Social Security timing, annuity income, and portfolio withdrawals into a cohesive plan

Our client base—primarily individuals aged 59–67 preparing for retirement and high-earning business owners—allows us to build deep expertise in the unique tax, estate, and income challenges they face. We do not try to serve everyone. We serve people whose situations demand more than a cookie-cutter approach. Revolutionary Wealth continually seeks to provide additional value and services to existing customers through ongoing relationship management and tailored solutions.

Before hiring any advisor, ask one question:“Are you a fiduciary at all times, in all situations?” If the answer is anything other than an unqualified “yes,” keep looking. Orbook a meeting with Revolutionary Wealthto experience what a truly fiduciary relationship feels like.

Company Values and Mission

At Revolutionary Wealth, our values are the cornerstone of everything we do in the financial services industry. We believe that true success is built on a foundation of integrity, transparency, and a relentless pursuit of excellence. Our mission is to empower financial institutions, investors, and individual clients by delivering innovative solutions, insightful market analysis, and world-class asset management services.

We are dedicated to understanding the unique investment goals and challenges faced by each of our clients. This deep understanding allows us to craft strategies and services that are not only effective, but also aligned with the evolving needs of the institutions and individuals we serve. Our expertise in investment management and market analysis ensures that every recommendation is grounded in data-driven insights and a forward-thinking approach.

Innovation is at the heart of our company. We continuously seek out new tools, technologies, and processes to enhance our asset management capabilities and provide clients with access to the most effective solutions available in today’s dynamic markets. By fostering a culture of collaboration and continuous learning, we ensure that our team remains at the forefront of the financial services industry.

Above all, we are committed to building lasting relationships with our clients—relationships based on trust, open communication, and a shared vision for the future. Whether we are working with financial institutions, organizations, or individual investors, our goal is to help each client achieve their investment objectives and secure long-term financial success.

At Revolutionary Wealth, our values and mission are more than just words—they are the guiding principles that shape every decision, every strategy, and every client interaction. Discover how our commitment to integrity, expertise, and innovation can help you reach your financial goals.

Core Personal Financial Services: Retirement, Tax, and Investment Management

For individuals and couples nearing retirement, three services dominate the conversation: retirement income planning, tax strategy, and investment management. These are not separate silos. They work together—or against each other—depending on how well they are coordinated.

Revolutionary Wealth builds retirement plans around real dates and real numbers. We want to know when you plan to retire (or whether you already have), what your actual spending looks like (including healthcare, travel, potential long-term care, and housing costs), and what accounts you hold today. Housing costs and mortgage rates can significantly impact your retirement planning, especially as mortgage rates are projected to fall to 5.9% by the end of 2026. Consumer & Business Loans can provide immediate capital for homes, education, or operational cash flow, making them an important consideration in your overall financial strategy. From there, we design a strategy that treats investments, taxes, and income as one integrated system.

Our investment management focuses on:

• Risk-adjusted returns appropriate for your stage of life

• Sequencing-risk protection during the critical first 5–10 years of retirement

• Tax efficiency through asset location, tax-loss harvesting, and Roth conversion timing

Tax strategy, meanwhile, goes far beyond filing returns. It includes long-term planning around Social Security timing, Required Minimum Distributions (RMDs), and managing how much of each year’s income falls into higher tax brackets.

Want to see how these pieces fit together for you?Ask Revolutionary Wealth to run a personalized retirement income and tax-efficiency projectionbased on your current accounts and target retirement date.

Retirement Income & Distribution Planning

The challenge of retirement income is simple to state and difficult to solve: how do you turn a lifetime of savings in 401(k)s, IRAs, and brokerage accounts into sustainable income that will not run out before you do?

Revolutionary Wealth structures income in phases:

1. Early retirement (typically ages 62–70):Often before Social Security and RMDs begin, creating opportunities for Roth conversions and strategic withdrawals from taxable accounts

2. Traditional retirement (ages 70–80):RMDs begin, Social Security is in full force, and coordinating income sources becomes critical

3. Late-life phase (80+):Potential healthcare costs rise, and planning for a surviving spouse becomes increasingly important

We use specific tools to manage each phase:

• Coordinating Social Security benefits with other income sources

• Determining optimal pension election options (if applicable)

• Selecting and designing annuity income where appropriate

• Setting systematic withdrawal rules tailored to your portfolio and spending

One of the greatest risks retirees face is sequence of returns risk—the danger that early losses in your portfolio will permanently impair your retirement. We reduce this risk through lower-volatility allocations in the years around retirement, guaranteed income streams, and dynamic withdrawal adjustments that respond to market conditions.

Curious how your current accounts would behave in different market scenarios?Book a “Retirement Income Stress Test”with Revolutionary Wealth to find out.

Retirement Tax Planning & RMD Strategy

Effective retirement planning is as much about controlling taxes in your 60s, 70s, and 80s as it is about investment returns. Many retirees discover too late that a poorly designed withdrawal strategy cost them tens or even hundreds of thousands of dollars in unnecessary taxes.

Revolutionary Wealth maps out a decade-by-decade tax strategy that includes:

Concrete strategies we implement regularly:

• Roth IRA conversionsin lower-income years to reduce future RMDs and create tax-free income

• Capital gains managementto avoid unnecessary spikes in taxable income

• Charitable giving strategiesincluding qualified charitable distributions (QCDs) from IRAs

• Medicare surtax coordinationto avoid IRMAA surcharges on premiums

RMD planning deserves special attention. Under current law (SECURE 2.0), RMD ages are rising to 75 by 2033, but the distributions themselves can still push retirees into higher brackets and trigger taxes on Social Security benefits. We may integrate annuities and qualified longevity contracts thoughtfully to manage required distributions without surrendering control of your funds.

Worried about unnecessary taxes on Social Security, IRMAA surcharges, or large RMD spikes?Book a tax strategy review with Revolutionary Wealthto evaluate your current plan.

Investment Management and Risk Control

Investment managementat Revolutionary Wealth is goal-driven, not product-driven. Every portfolio decision connects back to your retirement date, your tax plan, and your personal risk tolerance.

We manage diversified portfolios across:

• Domestic and international equities

• High-quality fixed income

• Alternative strategies where appropriate

• Cash reserves for near-term spending needs

Our approach to risk assessment and valuation follows rigorous standards similar to those used by underwriters in the financial services industry, ensuring informed decisions and effective risk management.

As clients transition from accumulation (building wealth) to distribution (spending wealth), we adjust risk exposure accordingly. A 62-year-old planning to retire in three years needs a different portfolio than a 45-year-old with two decades of earning ahead.

For retirees specifically, we focus on downside protection:

• High-quality bonds and structured solutions to reduce volatility

• Selective use of fixed indexed annuities for principal protection and growth potential

• Dynamic rebalancing that responds to market conditions

Portfolios are customized to your life stage, business sale timeline (if applicable), and legacy goals. We do not use generic age-based models that ignore your specific circumstances.

Want to know if your current portfolio matches your true risk tolerance and retirement timing?Get a “Portfolio and Risk Alignment Report”from Revolutionary Wealth.

Estate & Legacy Planning Services: Wills, Trusts, and Beyond

Estate planning is about more than who gets what when you die. It is about control, tax efficiency, privacy, and protecting the people you love if something unexpected happens.

Revolutionary Wealth provides articles and educational resources to help clients understand the complexities of estate and legacy planning.

Revolutionary Wealth coordinates with experienced estate attorneys to help clients implement:

• Willsthat clearly express your wishes

• Revocable Living Truststhat avoid probate delays and costs

• Powers of Attorneyfor financial and healthcare decisions

• Beneficiary designationson IRAs, 401(k)s, annuities, and life insurance

• Financial planning and lifestyle considerationsto help you enjoy a balanced and secure life

Beneficiary coordination is often overlooked. Your IRA beneficiary designation overrides your will. If those designations are outdated—naming an ex-spouse, for example—the legal documents you carefully drafted become irrelevant.

Legacy planning extends further:

• Planning for a surviving spouse, including potential widow/widower tax issues

• Providing for children or grandchildren in a structured way

• Incorporating charitable giving strategies into your broader wealth plan

Ready to make sure your documents and account registrations would function properly if something happened tomorrow?Schedule an “Estate & Beneficiary Checkup”with Revolutionary Wealth.

Trust and Will Coordination

Many high-net-worth and retiring clients already have estate documents. The problem is that those documents are often outdated, uncoordinated with current assets, or misaligned with current goals.

Revolutionary Wealth helps clients clarify their intentions, then works with their attorney to structure or update:

• Revocable Living Trustsfor probate avoidance and privacy

• Irrevocable Trustsfor estate tax planning and asset protection

• Special-purpose trustsfor blended families or beneficiaries with special needs

Consider a common scenario: A widower remarries and wants to provide for his new spouse during her lifetime, but ultimately wants his assets to pass to his adult children from his first marriage. Without proper trust design, his new spouse could inherit everything outright and redirect those funds to her own family—or his children could inherit immediately and leave his widow with nothing.

Careful trust design prevents these outcomes. Our role is to ensure the legal documents, financial accounts, and tax strategy all support the same legacy plan.

Have estate documents that may be out of date?Book a conversationfocused on aligning them with your current financial picture and family structure.

Legacy, Charitable Giving, and Heir Education

Many clients want to transfer more than just assets—they want to pass along values, support causes they care about, and avoid family conflict over money.

Revolutionary Wealth designs charitable giving approaches that are tax-efficient and simple to manage in retirement:

• Donor-advised fundsfor flexible, ongoing charitable giving

• Qualified charitable distributions (QCDs)directly from IRAs to satisfy RMDs while supporting charities

• Direct gifting strategiesthat reduce taxable estates while you are alive to see the impact

For a collection of helpfultoolsto support your charitable giving and financial planning, visit our recommended resource.

We also assist clients in preparing heirs through:

• Conversations about inheritance expectations

• Basic financial education for adult children

• Guidelines for stewardship of family wealth

These conversations dramatically reduce the risk of family disputes and financial missteps after a client’s death. Studies consistently show that most wealth transfers fail not because of poor investments, but because of family conflict and unprepared heirs.

Interested in planning your “Legacy Conversation” with family?Revolutionary Wealth can help facilitate that discussion—schedule a meeting to explore how.

Specialized Financial Services for Business Owners

Business owners earning $500,000 or more face complex, intertwined personal and business financial decisions that generic retail advisors simply cannot handle. The stakes are too high and the variables too numerous. Understanding both the business owner's financial needs and those of their customers is essential for building trust, loyalty, and long-term success.

Revolutionary Wealth offers integrated planning for business owners covering:

The biggest mistake we see business owners make is failing to separate “life after the business” planning from day-to-day operations. We help owners think in terms of specific future dates and target numbers: When do you want to exit? What net amount do you need after taxes? What role (if any) do you want post-sale? In 2026, there is a new $400 minimum deduction for small business owners with at least $1,000 in qualifying income, which can provide additional tax benefits.

Ready to map your path from current operations to eventual exit and retirement?Book a “Business Owner Financial Clarity Session”with Revolutionary Wealth.

Business Exit and Succession Planning

Many owners plan to sell or transition their business in the next 5–10 years but lack a clear financial roadmap for that event. They know roughly when they want to stop working, but they have not connected that timeline to specific financial targets.

Revolutionary Wealth helps define exit objectives:

• Target sale year

• Target net number after tax

• Desired role after exit (full retirement, consulting, board seat, etc.)

Once those objectives are clear, we align personal savings and investment strategies to support them. If you need $8 million after tax to retire comfortably and your business is worth $12 million but would face $4 million in taxes, you might hit your target exactly—or you might fall short if you have not planned properly.

We coordinate with CPAs, transaction attorneys, and valuation professionals so that tax, legal, and investment considerations are integrated rather than addressed in isolation.

Consider this scenario: A 60-year-old business owner plans to sell by age 65. The expected sale price is $10 million. Using tax planning strategies including Roth conversions over the pre-sale years and an installment sale structure, the owner could retain $2 million more in after-tax wealth compared to a poorly planned sale.

Not sure how prepared you are for an eventual exit?Schedule a preliminary exit-readiness reviewto understand what gaps still exist.

Cash Balance and Defined Benefit Strategies

Cash balance and defined benefit plans are powerful tools for high-earning business owners who want to accelerate retirement savings and reduce current taxes—but most advisors do not understand them well enough to recommend them appropriately.

In simple terms:

• Acash balance planis a type of defined benefit (pension) plan that allows significantly higher contributions than a 401(k)

• For 2026, contribution limits can exceed $300,000 annually for owners in their 50s and 60s

• These contributions are fully tax-deductible, reducing current income taxes substantially

Revolutionary Wealth evaluates whether a cash balance or defined benefit plan makes sense based on:

• Your age (older owners benefit more due to shorter accumulation periods)

• Income stability (you need consistent high income to fund the plan)

• Business structure (LLC, S-Corp, or C-Corp affects implementation)

• Number of employees (if any)

We model annual contribution ranges, tax savings, and long-term accumulation to show owners whether the added complexity is justified. A 55-year-old business owner might defer $265,000 annually in a cash balance plan versus only $69,000 in a solo 401(k)—a difference that compounds dramatically over a decade.

We also integrate these plans with existing 401(k) or profit-sharing plans to avoid overcomplication or compliance problems. The goal is maximum benefit with manageable complexity.

Curious whether a cash balance plan could work for your business?Request a custom cash balance feasibility analysisbased on your current income and situation.

The Role of Annuities and Risk-Managed Products in Financial Services

Annuities have a complicated reputation. They are sometimes misused as high-commission products sold to people who do not need them. But when selected and designed carefully, they can play a valuable role in retirement income planning.

Revolutionary Wealth, as a fiduciary, uses annuities selectively. We are not compensated more for recommending an annuity than for recommending a diversified portfolio. Our only consideration is whether the annuity genuinely serves your interests.

We use annuities primarily for:

• Income stability:Guaranteed lifetime income that covers essential expenses regardless of market performance

• Downside protection:Principal protection with growth potential linked to market indexes

• RMD management:Smoothing required distributions from qualified accounts

Before recommending any annuity, we analyze whether it complements or conflicts with your existing portfolio, tax situation, and retirement income objectives. We compare multiple carriers and products, and we avoid unnecessary riders or features that increase costs without meaningful benefit.

Have questions about annuities—or want to review an existing contract?Book an “Annuity Audit”to evaluate whether annuities should play a role in your retirement plan.

Fixed Indexed Annuities and RMD Coordination

A fixed indexed annuity (FIA) offers principal protection combined with growth potential linked to a market index like the S&P 500. Your principal is protected from market losses, but your growth is subject to caps or participation rates set by the insurance company.

These products can be used strategically inside IRAs or qualified plans to:

• Provide predictable, low-volatility growth during the distribution phase

• Smooth income and add certainty to retirement cash flows

• Reduce the sequence-of-returns risk that threatens early retirees

Before committing to any FIA, you need to understand:

• Surrender schedules:Typically 7–10 years with declining penalties

• Crediting methods:How growth is calculated and credited

• Income riders:Optional features that guarantee lifetime income but add costs

Revolutionary Wealth helps clients evaluate these details and assess how an annuity will impact future RMD amounts, taxation, and overall portfolio flexibility. We never view an annuity in isolation—it must fit the larger plan.

Want to understand whether a fixed indexed annuity could reduce risk in your own retirement plan?Schedule a discussionwith Revolutionary Wealth to explore the specifics.

How Revolutionary Wealth Delivers Financial Services

Our planning process is designed to create clarity, build confidence, and align every recommendation with your specific goals. Here is how we work:

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Stage 1: Discovery Meeting

We start with a conversation—not a sales pitch. We want to understand your situation, your concerns, your family, and what success looks like for you.

Stage 2: Data Gathering

You provide us with account statements, tax returns, estate documents, and other relevant materials. We use technology to organize and analyze this data efficiently.

Stage 3: Detailed Analysis

We model your retirement income needs, tax projections, investment risk profile, estate plan effectiveness, and (if applicable) business exit timeline. We use modern tools to run scenarios like retiring at different ages, selling a business on different timelines, or making large gifts to family or charity.

Stage 4: Plan Presentation

We present our findings and recommendations in clear, accessible language. You will understand not just what we recommend, but why it matters for your specific situation.

Stage 5: Implementation

We coordinate execution across investments, insurance, legal documents, and tax strategies—working with your CPA and attorney as needed.

Stage 6: Ongoing Partnership

Revolutionary Wealth is not a one-time planner. We provide annual or semiannual reviews, proactive tax and RMD updates, and ongoing coordination with your other professionals. As your life changes, your plan adapts.

Ready to explore whether Revolutionary Wealth is the right fit for you?Schedule a complimentary initial consultationto discuss your situation with a fiduciary advisor who specializes in exactly what you are facing.

Frequently Asked Questions

Do I have enough saved to work with Revolutionary Wealth?

Our typical clients include households approaching retirement with several hundred thousand dollars or more in investable assets, and business owners with substantial income or business equity. That said, fit is more about complexity and goals than a hard minimum.

If your situation involves coordination across multiple accounts, tax planning opportunities, estate considerations, or business exit planning, you may be a good fit regardless of exact asset levels. If you are not a fit for ongoing advisory services, we can often provide guidance or referrals to appropriate resources.

The easiest way to find out is toschedule an introductory callso we can learn about your situation.

Can you work alongside my existing CPA and attorney?

Absolutely. Revolutionary Wealth routinely collaborates with clients’ existing tax and legal professionals to ensure recommendations are consistent, compliant, and fully integrated. Our role is to coordinate and manage the overall financial strategy, while CPAs handle specialized tax filing and attorneys handle legal document drafting.

For clients who do not have established relationships with a CPA or estate attorney, we can introduce vetted professionals as needed.

How is Revolutionary Wealth compensated for its financial services?

Our primary model is fee-based, typically as a transparent percentage of assets we manage or a planning fee for complex engagements. We disclose all costs clearly before any client commits, and there are no hidden fees or surprise charges.

As fiduciaries, our recommendations are designed to align with client interests—not to maximize commissions or product sales. If you have questions about how our compensation works in your specific case, bring them to your initial meeting so we can address them directly.

What makes your retirement tax planning different from my current advisor’s approach?

Many advisors focus primarily on investments and touch on taxes only at a surface level—typically around annual tax-loss harvesting or basic Roth conversion suggestions. Revolutionary Wealth builds multi-decade tax roadmaps for retirees and business owners.

Our process models various combinations of withdrawals, Roth conversions, Social Security timing, and income sources to minimize lifetime taxes—not just this year’s bill. Studies suggest that effective tax planning can save retirees 20–30% in lifetime taxes compared to uncoordinated approaches.

Curious how your current plan compares?Book a Retirement Tax Reviewto find out.

Can you help if I am already retired or already sold my business?

While earlier planning creates more options, there is still substantial value in post-retirement and post-sale planning. We frequently help clients reorganize scattered accounts, adjust portfolios to match new risk realities, and update estate documents after major life transitions.

Even if you are already retired or have already completed a business sale, there are likely opportunities to optimize your tax situation, reduce investment risk, and strengthen your estate plan.Schedule a review of your current structureto identify gaps and new opportunities.

Disclosures:

This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors.Information presented hereinis subject to change without notice and should not be considered as a solicitation to buy or sell any security. Revolutionary Wealth LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.Past performance is no guarantee of future results.

Indexed 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. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. c) If this includes fixed and indexed annuities, you can add this combined version: Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed 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. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

The projections or other information generated by Monte Carlo analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, are based on assumptions that you provide which could prove to be inaccurate over time, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.