
Please select a category from the side menu. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.
Annuity disclosure: Annuities are products of the insurance industry; guarantees are backed by the claims-paying ability of the issuing company. Annuities contain limitations including potential withdrawal charges and fees which may affect contract values.
Rider disclosure: Rider charge calculated annually against the Income Account Value, deducted monthly from the Base Annuity Contract’s Accumulated Value monthly beginning at Contract Issue.

Phone: (805) 473-9699
Fax: (866) 362-9436
E-mail: msprague@riskfreeretirement.com
Insurance # 0591223
