Disclosures for Podcast and videos

The proceeding information does not represent tax, legal, or investment advice. Surrender charges apply to base contracts. Guarantees are based on the financial strength, and claims paying ability, of the insurance company. No information presented today could be acted upon without meeting with the qualified and licensed professional. It is important that you read all insurance contract disclosures carefully, before making a purchase decision. Rates and returns mentioned on this program may vary based on state availability, and our subject to change without notice. Guarantees apply to certain insurance and annuity products, including optional benefits, not securities, variable, or investment advisory products, and are subject to product terms, exclusions, and limitations. Investments that offer principal protection, may carry limitations, such as minimum holding periods, or age restrictions. Guarantees associated with certain investment products may only be available for an additional cost. Annuities or long-term investments, designed for retirement purposes, are not FDIC insured. Withdrawals of taxable amounts are subject to income tax, and if taken prior to age 59 and a half, a 10 percent federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Buffer ETFs are funds that seek to provide investors with the upside of an asset's returns (generally up to a capped. percentage) while also providing downside protection on the first predetermined percentage of losses (for example, on the first 10% or 15%).   Must be held to maturity of each usually 12-month outcome period for buffer protection, or one for one upside to a cap payoff.  Subject to the losses experienced by the underlying index, if such losses exceed the Buffered Protection at the end of the Outcome Period. Income ETFs with Risk Management are designed to provide a defined distribution rate for each 12-month outcome period.  Subject to the losses experienced by the underlying index, if such losses exceed the Soft Protection at the end of the Outcome Period. Guarantees apply to certain insurance and annuity products, including optional benefits, not securities, variable, or investment advisory products, and are subject to product terms, exclusions, and limitations. Investments that offer principal protection, may carry limitations, such as minimum holding periods, or age restrictions. Guarantees associated with certain investment products may only be available for an additional cost. Annuities or long-term investments, designed for retirement purposes, are not FDIC insured.  Some guaranteed investment products like Certificates of Deposits are FDIC insured. Guarantees from any insurance product are based on the claims paying ability of the issuing company.   The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Investment performance, not guaranteed. 

Securities and Advisor Services offered through Silver Oak Securities, Inc. Member FINRA / SIPC
Hearn Wealth Management and Silver Oak Securities Inc are not affiliated/separate entities.
Martin Hearn  Investment Advisor Representative
DBA Hearn Wealth Management LLC