As we get older, our financial needs and responsibilities change. We need to adjust to living on a fixed income. We also need to protect ourselves and our assets from those that prey on this segment of the population. Our member accounting team provides financial oversight and additional safeguards to ensure your ongoing financial security, or that of your loved ones.
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
