The information provided on this website is for general informational and educational purposes only. It is not intended as legal, tax, accounting, or individualized financial advice, and it should not be relied upon as a substitute for consultation with qualified professionals familiar with your specific situation.
Hourglass Wealth & Financial Solutions may discuss retirement planning concepts, annuities, and other insurance-based strategies. Not all products or strategies are appropriate for every individual. Any product discussion is subject to suitability, underwriting, carrier approval, policy terms, and applicable laws and regulations.
Annuities are long-term insurance products that may contain fees, expenses, limitations, surrender charges, and holding periods. Withdrawals or surrenders may be subject to tax consequences and, where applicable, penalties. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Nothing on this website should be interpreted as an offer to sell or a solicitation to buy any product in any jurisdiction where not permitted or before all required licensing and appointment requirements have been met.
If securities or advisory services are offered, they are offered only through properly registered entities and individuals, and additional disclosures will apply.