Fiduciary Disclosure

As a life insurance agent, when transacting in Individual Retirement Arrangements (IRAs), qualified funds (qualified retirement plans) and also non-qualified funds (post-income tax savings). I, the undersigned agent, pledge to exercise my best efforts to always act in good faith and in the best interests of my client(s). I will provide written disclosure, in advance, of any conflicts of interest, which could reasonably compromise the impartiality of my advice. Moreover, in advance, I will disclose any and all commissions or fees (fees negotiated and set with you in advance) I will receive or others will receive by my efforts as a result of this transaction and I will disclose any and all commissions or fees I pay to others for referring you to me.

Disclosure Note
I am a licensed life insurance agent in the State(s) of: Florida (domiciled state), Maryland, and New York and not an Investment Advisor(er). Furthermore, I am not licensed as an Investment Advisor(er). I represent certain annuity contracts and life insurance policies (but not contractually bound to represent) that are insurance products and not investments.

My commission compensation is set by the insurance companies I represent and is determined by a fixed rate schedule for your particular case. In Florida, I do not participate under FL Stat code 626.572 regarding rebates. Under New York, Maryland and any other State law (save Florida) and insurance company practice, I may not reduce my compensation for this transaction by rebating any portion of it for your benefit.

My judgment in this transaction may be affected by the following conflicts of interest: I may receive a commission from the Insurance Company if you buy an annuity contract or life insurance policy via my efforts. There are other financial products or arrangements which may be more suitable or advantageous to your financial goals. Due to licensure and representing a limited number of insurance companies, I am unable to offer you these other financial products.

Gary S. Mettler, Agent