LEARN THE #1 MISTAKE PEOPLE ARE MAKING WITH ANNUITIES,
AND HOW TO AVOID IT LIKE THE PLAGUE

Some annuities are better suited for retirees than others. Before buying an annuity, it's absolutely critical that you shop top-rated insurance companies and carefully compare the rates, fees and benefits.

There is an epidemic of Americans retiring today without a pension or predictable income stream that they can count on. Now, more than ever, retirees are turning to annuities that can act something like a "personal pension" by providing a predictable income stream to help secure their retirement income.

How you may increase income annually as much as 8% with a lifetime income rider.**

These special annuity reports will include quotes, company ratings, 3rd party reviews, and fees associated with each annuity, based on your financial situation and state of residence.

"Many investors approaching retirement think they have no need for annuities. But the lifetime-income guarantees offered by these insurance-company products can add security to portfolios that are mostly composed of stock and bond mutual funds."

- WSJ.com 2011

Annuities may be perfect for some retirees and pre-retirees. Annuities do have their advantages: lifetime income, inflation protection**, and principal protection.

- ABC News

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NOTE: you must provide a valid phone number and email address so we can confirm shipping information when preparing your annuity report. Be sure to include your state of residence and age.

Each report may take up to one business day to prepare because we will shop a multitude of annuities on your behalf, based on your retirement goals. Please ensure that you submit accurate information to request your report.

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Be sure to check out these eye-opening videos:

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Remember, all of our services are 100% FREE, with no obligation. Our staff of licensed retirement income professionals is here to help, just as we have helped thousands of retirees just like you. A few minutes of your time could change your retirement lifestyle... for the better.

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**Annuity riders may be available for an additional annual premium that may provide additional benefits and income guarantees.

§Tax-free income may be realized through one of several strategies such as: using an existing Roth IRA in conjunction with an indexed annuity for guaranteed* income, converting traditional IRA to a Roth IRA, or utilizing a strategy incorporating a life insurance policy contract. Income taxes will apply to traditional IRA distributions and conversions.

^A fixed index annuity with specific rider(s), subject to an additional premium, percentage of earnings and income (return) may comprise one or more of the following: an upfront bonus, the guaranteed interest rate before withdrawals or before annuitization begins, or your income based on account value. (Bonus annuities may carry higher fees and charges than annuities without the bonus feature, and may not pay the bonus in case of early withdrawal.) Guarantees rely on the insurer's financial strength and claims-paying ability. See your annuity contract for terms, exclusions and limitations. Excess withdrawals and any withdrawal prior to age 591⁄2 may significantly reduce the guaranteed withdrawal benefit amount and be subject to an additional 10% federal income tax penalty.

This material is meant to provide general information on issues that many people consider in making the decision as to whether or not they should buy annuities; and if they do decide to buy, which types of annuity benefits and additional riders will best suit their needs and goals. This information is not designed to be a recommendation to buy any specific financial product or service.

8% refers to the lifetime income withdrawal amount based upon your initial premium and may allow the owner of an annuity contract to withdraw up to 8% of their initial premium per year for their lifetime. This withdrawal rate may not be available for all applicants and can vary based upon your age, your state of residence and the start date of your lifetime income.

By responding to this offer you may be contacted by a licensed-insurance professional regarding retirement income planning using fixed insurance products. Josh Mellberg is insurance licensed in all 50 states and all employees of J.D. Mellberg Financial have the appropriate licenses for the products they offer.