State of the Markets

This presentation is intended solely for informational purposes and is not an offer or solicitation for the sale or purchase of any security or other financial instrument or to adopt a particular investment strategy. Any charts and graphs included are for illustrative purposes only. All information contained herein is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Opinions expressed are general in nature, subject to change without notice and are not intended and should not be interpreted as specific investment advice for you or your investments or portfolio. Since individual circumstances vary, you should consult your legal, tax, or financial advisors for specific information. The information presented does not constitute financial, legal or tax advice and should be used for informational purposes only. Our firm is not endorsed by or affiliated with the Social Security Administration or any governmental agency.

Investing involves risk, including the potential loss of principal. Past performance is not a guarantee or predictor of future results of any particular investment, benchmark, or indices, nor a guarantee of achieving overall financial objectives. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. Portfolios are subject to a variety of risks, including but not limited to general market risk and risks related to economic conditions. The portfolios’ underlying investments fluctuate in price and may be sold at a price lower than the purchase price resulting in a loss of principal. The underlying investments, unless stated otherwise, are neither FDIC-insured nor guaranteed by the U.S. Government. There may be economic times where all investments are unfavorable and depreciate in value. 

 Fixed annuities are long-term investment vehicles. Early withdrawal may result in tax liability, penalties and/or surrender charges. These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of your principal. Bonus Annuities may include annuitization requirements, lower capped returns, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. Riders are available at an additional cost and are subject to conditions, restrictions and limitations and benefits are generally not available as lump sum payout. Guarantees, if any, are backed by the financial strength and claims-paying ability of the issuing insurance company.

 Investment advisory services offered through BA Schrock Wealth Management, Inc. (BASWM), a registered investment advisor. Comments regarding guaranteed returns or income streams refer only to fixed insurance products and, unless specifically stated, do not refer in any way to securities or investment advisory products offered by B.A. Schrock Financial Group. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by B.A. Schrock Financial Group. B.A. Schrock Financial Group is not affiliated in any way with the Social Security Administration.