Craig, Barry & Poston, P.A.

Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty

Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty A Roth IRA offers tax free withdrawals on taxable contributions To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum) Depending on state law, Roth IRA distributions may be subject to state taxes

Investors should consider their investment objectives, risks, charges and expenses associated with municipal fund securities before investing This information is found in the issuer’s official statement and should be read carefully before investing

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing This information is found in the issuer’s official statement and should be read carefully before investing Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state's 529 Plan Any state-based benefit should be one of many appropriately weighted factors in making an investment decision The investor should consult their financial or tax advisor before investing in any state's 529 Plan

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns

The return and principal value of bonds fluctuate with changes in market conditions If bonds are not held to maturity, they may be worth more or less than their original value

Investors should consider the investment objectives, risks and charges, and expenses of mutual funds carefully before investing The prospectus, which contains this and other information about the funds, and can be obtained directly from the company or from your financial professional The prospectus should be read carefully before investing or sending money

All investing involves risk, including the possible loss of principal There is no assurance that any investment strategy will be successful

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved As with most financial decisions, there are expenses associated with the purchase of life insurance Policies commonly have mortality and expense charges In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications

Please Note: This information being provided is strictly as a courtesy When you link to any of the websites provided here, you are leaving this website We make no representation as to the completeness or accuracy of information provided at these websites Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information or programs made available through this website When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites to which you are linking

An investment in a Money Market Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency Although the fund seeks to preserve your $1 00 per share, it is possible to lose money in the fund

A diversified portfolio does not assure a profit or protect against loss in a declining market

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns Asset allocation should not be confused with the much simpler concept of diversification

The return and principal value of stocks fluctuate with changes in market conditions Shares when sold may be worth more or less than their original cost

Options are not suitable for all investors

Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period

The guarantee of an insurance product is backed by the claims paying ability of the issuing insurance company

There is a surrender charge imposed generally during the first 5 to 7 years that you own a variable insurance contract Withdrawals prior to age 59½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax The guarantee of the contract is backed by the financial strength of the underlying insurance company Investment sub-account values will fluctuate with changes in market conditions An investment in a variable insurance product involves investment risk, including possible loss of principal Variable insurance products are designed for long-term investing The contract, when redeemed, may be worth more or less than the total amount invested Variable insurance products are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts Investors should consider the investment objectives, risks and charges and expenses of the variable contract carefully before investing The prospectus contains this and other information about the variable insurance product Contact your financial professional to obtain a prospectus, which should be read carefully before investing or sending money

Investors cannot invest directly in indexes The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing

REITs are subject to various risks such as illiquidity and property devaluations based on adverse economic and real estate market conditions and may not be suitable for all investors A prospectus that discloses all risks, fees and expenses may be obtained directly from the company or from your financial professional Read the prospectus carefully before investing This is not a solicitation or offering which can only be made in conjunction with a copy of the prospectus

5 N Lafayette St Shelby, NC 28150 For a comprehensive review of your personal situation, always consult with a tax or legal advisor Cetera Advisor Networks LLC does not offer legal or tax advice

Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, a Broker/Dealer & Registered Investment Adviser, member FINRA/SIPC Cetera is under separate ownership from any other named entity

This site is published for residents of the United States only Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered Not all of the products and services referenced on this site may be available in every state and through every advisor listed For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisor Networks LLC site at www CeteraAdvisorNetworks com

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