Our seminars are educational presentations. . .

The information discussed in our seminar is basic and general in nature and is intended for educational purposes only. No specific product or companies are being solicited. The presentation concerns the main issues regarding retirement planning and how to avoid or eliminate numerous financial problems which concerns many retirees. It is recommended that you consult the advice of certified professionals regarding your specific situation. Please understand that laws and regulations are subject to local variations and may have different interpretations. Therefore, should legal advice be required, it is recommended that you seek the advice of a qualified attorney in your state of residence. No specific investment advice is ever intended. Financial products can vary, therefore, always examine the detail of the product structure, provisions and features. The US Securities and Exchange Commission (SEC) requires that only registered representatives licensed with a broker dealer license can sell specific securities and provide investment advice. Any discussions regarding interest rates and rates of return are purely hypothetical and not intended to represent assurances or guarantees. Our speakers do not give tax advice. The presenters, speakers and/or sponsors of this information (invitation), as well as the information presented at the seminar, is not related to, endorsed by, nor connected with and not approved by any Government Agency or organization. Although the seminar is providing information of value for consumers, the seminar is a solicitation for insurance products such as Long Term Care Insurance, Life Insurance and Annuities. Some of the insurance companies the agent may represent are Allianz Life Insurance Company, ING and American Equity Investment Life Insurance Company.