The website 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 are 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. 

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