Annuities allow you to earn tax deferred income, create wealth for you and your heirs, and provide a guaranteed income stream throughout your life. An annuity is a flexible, tax-advantaged investment vehicle featuring:

• Tax-deferred growth
  
• No IRS contribution limits
  
• Flexible withdrawals
  
• Avoidance of probate
  
• Optional guaranteed income (for a fixed period of time or life)
  
• Guaranteed death benefit for heirs
  

The RBR team will asset you in selecting annuities that supplement your wealth-preservation plans. Flexible annuity strategies can be specifically applied for:

• Long-term tax deferred growth
  
• Asset preservation and tax deferred growth
  
• Predictable income and guaranteed rate of return

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.
Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. The investment return and principal value of the variable annuity investment options are not guaranteed.