Disclosures

The information presented on this website does not constitute tax, legal, or investment advice and should not be relied upon as such. Surrender charges may apply to base contracts. Guarantees are contingent on the financial strength and claims paying ability of the insurance company. It is crucial to consult with a qualified and licensed professional before acting on any information provided today. Please ensure you read all financial disclosures related to insurance contracts carefully before making a purchase decision. Rates and returns mentioned in this program may vary based on state availability and are subject to change without notice. Guarantees apply solely to specific insurance and annuity products, including optional benefits, but do not extend to securities, variable products, or investment advisory services and are subject to product terms, exclusions, and limitations. Investments intended to offer principal protection may have limitations, including minimum holding periods or age restrictions. Additionally, guarantees linked to certain investment products may incur extra costs. Please note that annuities are long-term investments designed for retirement purposes and are not FDIC insured. Withdrawals of taxable amounts may be subject to income tax, and if taken before age 59 and a half, a 10 percent federal tax penalty might apply.

Securities and advisor services are offered through Silver Oak Securities, Inc., a member of FINRA/SIPC. Hearn Wealth Management and Silver Oak Securities Inc. are separate and unaffiliated entities. Martin Hearn is an Investment Advisor Representative DBA Hearn Wealth Management LLC.