Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark.

Members of the Investment Team work directly with our firm and personnel but are licensedwith Advisory Alpha LLC, a SEC Registered Investment Advisor. The Investment Team is notnecessarily involved with the research, due diligence, and portfolio management functionsrelated to all investment products or solutions used for each client. CFA® is a trademark ownedby the CFA Institute. Certified Financial Planner Board of Standards Inc. owns the certificationmarks CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP (with flamedesign) in the U.S. which it awards to individuals who successfully complete CFP board’s initialand ongoing certification requirements.Links and references to other websites and third-party content providers are offered for yourconvenience. We do not necessarily prepare, monitor, review or update the informationprovided by third parties. We make no representation or warranty with respect to thecompleteness, timeliness, suitability, or reliability of the referenced content.An Annuity is a long-term financial product designed largely for asset accumulation andretirement needs. Annuities generally contain fees and charges which include, but are notlimited to, surrender charges, administrative fees and for optional contract riders and benefits.Withdrawals and death benefits are subject to income tax. If withdrawals and other distributionsare received prior to age 59 ½, a 10% penalty may apply. Annuities typically carry surrendercharges for several years that may be assessed against withdrawals. Certain Annuity productfeatures, offered by some Annuity companies, such as stepped-up death benefit, a bonus creditand a guaranteed minimum income benefit, carry added fees. If you are investing in an Annuitythrough a tax-advantaged plan such as an IRA, you will get no added tax advantage. Underthese circumstances, you should only consider buying an Annuity if it makes sense because ofthe Annuity’s other features, such as lifetime income payments and death benefit protection. Allguarantees of an Annuity are backed by the claims-paying ability of the issuing insurer.

Insurance products sold through Two Waters Insurance and Financial Services, LLC. Two Waters Wealth Management and Two Waters Insurance and Financial Services do not offer legal or tax advice.

This site is not part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.

Icons made by Payungkead from www.flaticon.com