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, 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 Retirement Planning Made Easy, Chris Hammond and 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 references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company.

Annuity products may not be available in all states. Insurance companies represented by Retirement Planning Made Easy and Chris Hammond may change interest rates and offerings without notice.

Withdrawals from annuities prior to 59 ½ may be subject to a 10% tax penalty, according to IRS regulations. Because tax laws are subject to varying interpretations and changes, we recommend that you consult your attorney, tax advisor or accountant. Retirement Planning Made Easy and Chris Hammond do not provide specific tax or legal advice.

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Retirement Planning Made Easy and Chris Hammond do not provide tax or legal advice. Always consult with a qualified tax and legal advisor. All views expressed by Retirement Planning Made Easy and Chris Hammond are done so as merely a free opinion, based on such investigations as are deemed reasonable, and are not in any way to be construed as investment or tax advice. All readers are solely responsible for making their own investment decisions, and it is recommended that any views or suggestions contained within this document should be reviewed by a licensed tax or financial advisor prior to implementation. Neither Retirement Planning Made Easy nor Chris Hammond make any personal guarantees as to the accuracy of this information, or the financial success of anyone who bases their investment decisions in an effort to implement the suggestions contained within this document. Any references made to “safety” or “guarantees” refer to the insured nature of fixed annuities, but are subject to the solvency and claims-paying ability of the underlying insurance companies where the policies are issued.