A Cetera Investment Services Program

Variable Annuties

As an investor, you may find the key to tax control is annuities. You are given the opportunity to choose between fixed and variable annuities.

Tax Control: All earnings grow tax-deferred until withdrawn. Your money works harder without the drain of current taxes.

Access to your money: In most cases, you have flexible access to some percentage of your money.

Variable Annuities: A variable annuity is a long-term retirement investment vehicle. It’s an insurance contract that is specifically designed to build your retirement savings. When you’re ready a variable annuity can provide you with retirement income in several ways, including options that can help you receive an income stream that you cannot outlive. Most variable annuities offer a broad range of investment objectives among the portfolios, so that you can choose from relatively conservative portfolios with a lower level of risk, or more aggressive investment portfolios with a higher degree of risk, having the potential for higher investment returns. Highly qualified, world-class portfolio managers professionally manage these investment portfolios. Keep in mind your annuity’s value will vary over time, according to the performance of the individual investment portfolio you choose. Variable annuities can be a valuable asset to your investment portfolio:

  • Defer paying taxes until you begin taking distributions
  • Take advantage of market opportunities
  • Control the quality of your retirement
  • Receive monthly or yearly income that you cannot outlive
  • Ensure that your beneficiaries receive the full value of their inheritance on a timely basis

Discover how a variable annuity can help you achieve a well-deserved, comfortable retirement. Realize that withdrawals prior to 59 ½ may be subject to a 10% IRS penalty and the amount withdrawn is subject to ordinary income tax. For more complete information, including fees, charges and expenses consult a prospectus, which can be obtained from an Investment Executive. Read it carefully before investing or sending money.

Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. The prospectus contains this and other information about the variable annuity. Contact a FAIC Investment Services representative to obtain a prospectus, which should be read carefully before investing or sending money.

For more information on the features and benefits of Variable Annuities, please call or visit your local branch to speak to one of our Financial Consultant.

FAIC Investment Services representatives and do not give tax or legal advice. The comments regarding the law and tax treatment in this material simply reflect current interpretations of such laws. Since laws are always subject to interpretation and possible changes, FAIC Investment Services recommend that you seek the counsel of an attorney and/or other qualified tax advisor as to the specific legal and tax consequences of all planning concepts as they apply to the facts of your particular situation.

FAIC Investment Services is a Cetera Investment Services program. Securities and insurance are offered by, and all Financial Consultants are registered with, Cetera Investment Services LLC, member of FINRA and SIPC. Cetera Investment Services LLC is an independent entity and is not affiliated with First American International Bank. FAIC Investment Services is located at First American International Bank. First American International Bank is a wholly owned subsidiary of First American International Corp. Cetera Investment Services conducts business in English. Any non-English communications are a customer service accommodation. English-language documents and agreements will be controlling.

Investments are: •Not FDIC insured •May lose value •Not financial institution guaranteed •Not a deposit •Not insured by any federal government agency.

View CETERA INVESTMENT SERVICES LLC privacy policy and other important information.

Financial Consultants are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.