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Securities offered through Osaic Wealth, Inc. Osaic Wealth  Member FINRA/SIPC, John Romano CFP® Registered Representative. Advisory Services offered through Osaic Wealth, Inc.  John Romano Investment Advisor Representative. Romano Income Strategies and Osaic Wealth, Inc. are not affiliated.

This is not an offer or solicitation for brokerage services, investment advisory services, or other products or services in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the securities laws or other local laws and regulations of that jurisdiction. 

With your investments, you should make your own determination with the help of a financial professional whether a particular investment is consistent with your objectives, risk tolerance and financial situation. Information provided is general in nature. It is not intended to be, and should not be construed as legal, financial, tax advice, or an investment recommendation.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.   

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Fixed index annuities are intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. Fixed Index Annuities are insurance contracts and should be considered complex products. Fixed Index Annuities are not stock market investments. You are never invested in the index itself. Fixed index annuities are subject to possible surrender charges and a 10% IRA early withdrawal penalty prior to age 50 Y. Early withdrawal charges and Market Value Adjustments (MVA) may apply. Withdrawals may reduce any optional guaranteed amounts in an amount more than the amount of the withdrawal. Taxable distributions are subject to ordinary income taxes.

Current minimum return, principal value and prior earnings guarantees by the issuing insurance company, subject to their claims paying ability, and contract provisions.

Indexed interest is calculated and credited (if applicable) at the end of an annual interest term based on the strategy selected and will be adjusted for any caps, spreads, performance triggers or participation rates, all which can limit or reduce the interest credited. Outcomes may differ based upon the interest crediting strategy selected and assume compliance with the product's benefit rules. Not all strategies are available in all states and firms. Amounts withdrawn from the indexed account before the end of an interest term will not receive indexed interest for that term. Interest credited to the indexed accounts is affected by the value of outside indexes and the annuity will not experience returns identical to the index's performance. Values based on the performance of any index are not guaranteed. The contract does not directly participate in any outside investment.

Indexed interest caps, fixed account interest rates and margin rates may be reset at the end of each interest term. Interest Rates, indexed interest caps and margin rates are subject to change without notice.

Tax qualified contracts such as IRAs, 401(k)s, etc. are tax deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the tax-qualified plan or program itself. However, annuities do provide other features and benefits such as death benefits and income payment options.

Annuity contracts have terms and limitations for keeping them in force. Although Fixed Index Annuities guarantee no loss of premium due to market downturns, deductions from your Accumulation Value for additional optional benefit riders could under certain scenarios exceed interest credited to your Accumulation Value, which would result in loss of premium. They may not be appropriate for all. Please contact your financial professional or insurance producer for complete details.