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Advisory Services offered through CreativeOne Securities, LLC an Investment Advisor. Annuity Guys and CreativeOne Securities, LLC are not affiliated. Licensed Insurance Professionals.

Annuity guarantees are backed by the financial strength of the issuing company, and for variable annuities, do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions. Annuities are not bank or FDIC insured. Annuities contain limitations including withdrawal charges, fees, limits on credited interest and a market value adjustment which may affect contract values. Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuity withdrawals are subject to ordinary income taxes, including a potential 10% IRS penalty if taken before age 59-1/2.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

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