INVESTMENT OPTIONS AVAILABLE TO YOU—AND OUR ADVISORS ROLE IN GUIDING YOUYour investment goals and financial situation are unique. There is no one-size-fits-all solution, and don’t let anyone tell you there is. That’s where we come in.As an independent financial advisor, we understand the importance of asking the right questions, properly interpreting the answers, and making sure that you are comfortable with your decisions. Yes, we are partners in your financial future; but ultimately, our relationship is about YOU.Through my affiliation with Royal Alliance, we can put a broad range of investment management vehicles to work for you, including: Stocks and Bonds: Access all national stock exchange-listed securities and over-the-counter stocks and bonds, as well as a team of professional, knowledgeable traders who are supported by Royal Alliance’s industry-leading technologies. Mutual Funds: Using a variety of tools and services, I can analyze individual funds and create a portfolio of complementary holdings that matches your objectives and risk tolerance. Annuities: Annuities offer an investment feature,tax deferral and death benefits. Choose between a: Fixed Annuity, which pays a fixed rate of interest over the life of the contract. At retirement, you can collect guaranteed income for life. And, these assets avoid probate. Variable Annuity, which provides professionally managed sub-accounts, allowing for income and capital growth potential.Fixed Annuities are products of the insurance industry and are designed for long-term retirement investing. Guarantees are subject to the claims-paying ability of the insurance company. Annuities generally contain fees and charges which include, but are not limited to, sales and surrender charges. Variable Annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk, including the possibility of loss of principal. Annuities generally contain fees and charges which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, charges for optional benefits and riders, and annual contract fees. Annuity guarantees, including guarantees associated with benefit riders are subject to the claims-paying ability of the insurance company. All other benefits are available for an additional cost. It is important to weigh the costs against the benefits when adding such options to an annuity contract. Variable and fixed annuities may incur surrender charges if money is withdrawn before the end of the contract. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Additionally, if purchased within a qualified plan, these annuities will provide no further tax deferral features. These contracts, when redeemed, may be worth more or less than the total amount invested.Fee-Based Investment Advisory Services: Pay one fee for the investment advice you receive instead of paying transaction-based commissions; many programs are available. Insurance: Access a wide variety of insurance products, including variable universal life, universal life, term insurance and long-term care. Other Services: In addition to these investment products, a number of financial services are available to you, including: Business succession planning Estate, family needs, and personal needs planning Wealth transfer Deferred compensation Charitable giving Pension maximization Qualified and non-qualified retirement plans Some of these services may not be offered by Royal Alliance and you may be referred to other professionals. Individual situations vary. If you require specific tax or legal advice, we encourage you to seek personalized advice from qualified professionals regarding all issues specific to your situation.