“Now YOU can learn about retirement planning in plain English. Planning for retirement can be confusing. I cut through all the industry jargon so YOU can learn how to achieve your retirement goals.”

-Disclosures

Christopher Hammond is an Investment Advisor Representative with Retirement Wealth Advisors, Inc. (RWA) 89 Ionia Avenue NW Suite 600, Grand Rapids, MI 49503 (800) 903-2562. RWA and Tri-State Insurance and Financial Services are not affiliated. RWA, Christopher Hammond and Tri-State are not affiliated with any state or federal government agency, including Veterans Administration, Social Security, Medicare or Medicaid.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Tri-State and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Fixed annuities may be useful retirement tools for some people. However, fixed annuities may not be suitable for all. Please consult a licensed insurance agent regarding your age, financial objectives, short and long term financial goals, liquidity needs, risk tolerance and overall financial situation to determine if a fixed annuity is right for you. You should thoroughly review all brochures, specimen contracts, buyer’s guides and disclosure forms before purchasing any fixed annuity.

Fixed annuity earnings are tax deferred until withdrawn. Use of annuities with qualified type plans (401K, IRA, 403(b)) may not provide any additional tax benefits above those you already receive in such a plan. Withdrawals may be subject to income tax and a 10% federal income tax penalty if taken before age 59 1⁄2. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company and are not offered by Retirement Wealth Advisors.

AssetLock tracking software is used to monitor the performance/growth of a clients’ portfolio, and to predetermine the amount of downside the client/s is/are willing to tolerate.  It is NOT an actual stop loss, and may NOT automatically sell the individual securities in the portfolio. Therefore, the AssetLock value is a reference point to encourage a conversation between Chris Hammond and the client, and to determine if the client/s would like to liquidate the portfolio and move the assets into cash, reset the AssetLock percentage or reallocate to a different risk profile. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past performance is no guarantee of future results.


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Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor.  Tri-State Financial Group, and Tri-State Insurance & Financial Services, and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors. Chris Hammond is insurance licensed in TN.