Disclaimer

Illustrative Rates

All annuity rates, quotes, and income projections displayed on this website are illustrative only and are not guaranteed. They are provided for educational and informational purposes to help you understand the general range of annuity options available.

Actual annuity rates are determined by the issuing insurance carrier and may differ significantly from the illustrative rates shown here based on factors including but not limited to: current interest rate environment, the specific product and carrier selected, your health status, your state of residence, and the date of application.

Not Financial Advice

The information provided on this website does not constitute financial, investment, tax, or legal advice. The content is provided "as is" without any representations or warranties, express or implied. Before making any financial decisions, you should consult with a qualified financial advisor, tax professional, and/or attorney.

Insurance Products

Annuities are insurance products and are subject to the claims-paying ability of the issuing insurance company. They are not FDIC insured, are not bank guaranteed, and may lose value (in the case of variable annuities). Withdrawals prior to age 59½ may be subject to a 10% federal tax penalty. Surrender charges may apply during the surrender charge period.

Carrier Ratings

AM Best ratings shown are for informational purposes only and reflect the financial strength rating of the insurance carrier as of the date this website was last updated. Ratings are subject to change. AM Best ratings are not a recommendation to purchase any annuity product.

Fiduciary Disclosure

Registered Investment Advisors and Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to make full disclosure of any conflicts of interests. Please refer to our firm brochure, the ADV 2A item 4, for additional information.

Annuity Guarantee Disclosure

Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company and are not offered by Brookstone.

Annuity Bonus Disclosure

Any bonuses mentioned may be subject to additional restrictions and regulations based on the offering annuity company. You may not receive the bonuses if the contract is fully surrendered or if traditional annuitization payments are taken, and if the policy is partially surrendered, it could result in a partial loss of bonuses. Because these are bonus annuities, they may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don't offer a bonus feature.

FIA Disclosure

Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer. Please refer to our firm brochure, the ADV 2A Item 4, for additional information.

Advisory Disclosure

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning are independent of each other. Insurance products and services are not offered through BCM but are offered and solicited through individually licensed and appointed agents.

No Guarantee of Accuracy

While we strive to keep information accurate and up-to-date, Richon Planning makes no warranty or representation regarding the accuracy, completeness, or timeliness of the information on this website. We are not responsible for errors or omissions in the content provided.