We do not accept any payments of any kind from any product or service provider. Specifically, that means:

• No loads or 12(b)1 fees from mutual fund companies
• No “soft dollar” services from broker-dealers
• No commissions from variable annuity or equity indexed annuity manufacturers
• No commissions from life insurers

As a result, we have no incentive to recommend a mutual fund, a broker-dealer, an annuity or an insurance policy because of how much we will earn for recommending it.

You can be confident when we recommend a product or service to you that we believe:

• You will derive a net benefit from it
• It represents the best value for you