Protecting Your Retirement Income For Life – Dec 3, 2015
December 3, 2015 @ 5:00 pm - 6:00 pm
We’ll explore a number of key topics and take a closer look at generating lifetime retirement income. Join us for this timely and informational workshop with light refreshments.
- When you may need the most income in retirement based on spending patterns
- Retirement income options available today
- An investment strategy that can offer you guaranteed income for life
The Polaris Variable Annuities and an optional lifetime withdrawal benefit will be discussed.
Prospectuses will be available at the workshop. Please read the prospectus carefully before investing. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing.
See below for important additional information.
Securities offered through The Leaders Group, Inc., Member FINRA/SIPC www.finra.org
26 West Dry Creek Circle, Suite 575, Littleton, CO 80120, (303) 797-9080
Nakowicz Financial Services, Inc. is not affiliated with The Leaders Group, IncThe issuer and/or distributor of the products being presented may be a sponsor of this seminar, and as such would have contributed a fee or services to help defer seminar costs. During the course of this seminar, your financial advisor may recommend these products. Neither the issuer nor its distributor or representatives may provide individual investment recommendations or advice. The Broker Dealer that employs your financial advisor may or may not be affiliated with the issuer and distributor. Please see your financial advisor for details.
Annuities are designed for long-term retirement investing. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract, as well as the amount available upon a full surrender. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 5 9., an additional 10% federal tax may apply. An investment in a variable annuity involves investment risk, including possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested. Optional protection features are available for an additional fee. Investment requirements, withdrawal parameters and other restrictions and limitations apply.
Tax-qualified plans, such as an IRA, 401(k), etc., are tax-deferred (and subject to required minimum distributions) regardless of whether or not they are funded with an annuity. However, annuities do provide other features and benefits, including but not limited to a guaranteed death benefit and income options, for which a mortality and expense ri sk fee is charged. You should discuss your decision to use a variable annuity within a tax-qualified plan with your financial advisor.
All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representation or guarantees regarding the claims-paying ability of the issuing insurance company.
Polaris Variable Annuities are issued by American General Life Insurance Company (AGL) except in New York, where they are issued by The United States Life Insurance Company in the City of New York (US Life). Distributed by AIG Capital Services, Inc. (ACS), Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862. AGL, US Life and ACS are members of American International Group, Inc. (AIG).