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Schadler Financial

1916 Plaza Drive
Benton Harbor, MI 49022
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Office: 949.485.2598

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Disclosure:

Investment advisory services offered through Peace of Mind Planning, LLC, a SEC-Registered Investment Advisor. Peace of Mind Planning does not provide legal or tax advice. Investment Advisor Representatives of Peace of Mind Planning may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Securities transactions for Peace of Mind Planning clients are placed through TD Ameritrade.

Insurance and annuity products are sold separately through Schadler Financial.

Fixed annuities guarantee that your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed. The issuer of the annuity sets the rates.

Fixed index annuities are a type of fixed annuity that earns interest based on changes in a market index, which measures how the market or part of the market performs. The interest rate is guaranteed to never be less than zero, even if the market goes down. Although account balances in fixed index annuities are connected to the performance of a particular index, the owner’s money is not actually invested in the index itself. Instead, it is held in an account that is administered by the insurance company. These products are subject to various charges and expenses, such as sales charges, administrative charges, mortality and expense charges and surrender charges. All product guarantees depend on the insurance company’s financial strength and claims-paying ability.

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