Links & Tools


Variable Annuity Comparison Tool   Please Note: An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. For a prospectus and underlying fund prospectuses containing this and additional information, please contact your financial professional. Read it carefully before investing. The summary of product features is not intended to be all-inclusive. Restrictions may apply. The contracts have exclusions and limitations, and may not be available in all states or at all times. Variable annuities are investments subject to market fluctuation and risk, including possible loss of principal. Your units, when you make a withdrawal or surrender, may be worth more or less than your original investment. 

Variable annuities are long-term investments to help you meet retirement and other long-range goals. Withdrawal of tax-deferred accumulations are subject to ordinary income tax. Withdrawals made prior to age 59½ may incur a 10% IRS tax penalty. The Company nor its representatives offer tax advice. Annuities are not deposits or obligations of, or guaranteed by any bank, nor are they FDIC insured.


Investment Adviser Public Disclosure

Investment Professional Designations  Please Note:  The States, SEC nor FINRA approve or endorse any professional credential or designation.

FINRA Market Data


401(k) and IRA Required Minimum Distribution Calculator

401(k) ‘Save the Max’ Calculator

Savings Calculator

College Savings Calculator

Loan Calculator

Accrued Interest Calculator


Private Placement Memorandum (PPM) –  ​A legal disclosure document of a company issuing securities, such as equity stock or units, or debt notes or bonds.  The private placement memorandum discloses a portion of the company’s internal workings, from the market to the management team and risk factors, all the way to the tax implications for investors, both in the US and abroad.  The most widely used disclosure document worldwide is the private placement memorandum, which many refer to as an ‘offering memorandum’.

Operating Agreement – Describes the investment ownership structure and rights of the sponsor and each members rights.

Subscription Agreement – The document an investor fills out to help determine suitability. The investor will also subscribe to the investment opportunity by signing the subscription agreement and indicating the number of shares they are purchasing.

Regulation D 506(C) – The regulation sponsors on RealCrowd use to be able to make public offerings of their private investment opportunity. Filling a 506(C) offering also required that investors are accredited, and that the Sponsor perform additional steps to actually verify that investors are in fact accredited.

Accreditation (Individual Income) – A person with at least $200k in income the last two years, and a reasonable expectation of having an income of at least $200k in the current year.

Accreditation (Joint Income) – A married couple filing their taxes jointly with at least $300k in joint-income the last two years, and a reasonable expectation of having joint-income above $300k in the current year.

Accreditation (Net Worth) – A person or couple with a net worth over $1 million after taking into account liabilities, not including the debt or equity in their primary residence.

Certifying Accreditation – The act of providing income information (example: w2’s), net worth information (example: bank statement and a credit report), or having a legal 3rd party (examples: CPA, lawyer, RIA, or broker-dealer) sign a letter stating the person’s accreditation status.