Are you looking for a product that can help reduce your current taxes and offer a guaranteed rate of return?

If you are, then a tax deferred fixed rate annuity may be the right choice for you.

Tax deferred annuities are retirement savings vehicles, designed specifically to address the uncertainties of retirement income planning:

• How much money will I need to live a comfortable retirement?
• Will I outlive my income?
• How can I protect my family after I’m gone?

Fixed annuities are issued and guaranteed by insurance companies. They offer competitive interest rates, with all the interest accumulating tax-deferred for the life of the annuity. In this way, your earnings remain in your annuity and compound without being taxed, so your money is able to earn more over time (provided no withdrawals are taken).

In addition, annuities generally offer you:

• Guaranteed minimum death benefit, in the event of premature death
• Access to a pre-determined percentage of your money (according to individual products, typically 10% penalty free per year)
• Ability to convert your annuity into an income stream - payments for life, or payments for a certain period

To learn more about fixed rate annuities and how they may help you reach your retirement goals, contact Jerry Clark, Financial Consultant, at (800) 478-6990, ext. 212 or via email at gerald.clark@lpl.com.

Fixed Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to 10% IRS penalty tax and surrender charges may apply.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance Products
offered through Private Ledger Insurance Services of Massachusetts, Inc., & its affiliates.

NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

The LPL Financial registered representatives associated with this site may only
discuss and/or transact securities business with residents in the following states:
Massachusetts, Rhode Island and Connecticut.