All investing involves risk, including the possible loss of principal. No strategy assures success or prevents loss.
Dividends are not guaranteed and can be reduced or cancelled at any time.
Diversification is a strategy designed to help manage investment risk. It does not guarantee a profit or protect against investment loss in declining markets.
Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in such a fund. Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are contingent on the financial strength of the issuing company.
Individuals cannot invest directly in an index. The performance of an unmanaged index is not indicative of the performance of any specific security. The guarantees of indexed annuities may cover only a certain percentage of the initial investment. The participation rate (which is the amount of index gain that the insurance company will credit to the annuity) is set and limited by the issuing insurance company. And sometimes there is a cap rate, which is the maximum rate of interest the annuity can earn. Some insurance companies reserve the right to change participation rates, cap rates, and other fees either annually or at the start of each contract term; these types of changes could affect the investment return. Based on the guarantees of the issuing company, it may be possible to lose money with this type of investment. Therefore, it is recommended that you understand how the contract handles these issues before deciding whether to invest.
Securities offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 800-873-7637, www.htk.com, Cedar Point Federal Credit Union/Cedar Point Financial Services, Inc. is not affiliated with HTK. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.
We are insurance and securities licensed in our resident state of MD, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.
Securities and insurance products are not federally insured by NCUA; are not deposits or other obligations and are not guaranteed by Cedar Point Federal Credit Union; and are subject to investment risks.
http://www.finra.org/brokercheck
7715162RG_May27
| Not Insured by the NCUA or any Federal Government Agency |
May Lose Value |
Not a Deposit or Guaranteed by the Credit Union or any Credit Union Affiliate |
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22745 Maple Road, Lexington Park, MD 20653
