Richard Williams is a Florida resident-licensed insurance agent (FL License #A286305, NPN #597029) offering fixed annuity products only. This agent does not hold FINRA securities registration and does not offer, solicit, or sell variable annuities or other securities products. This is not an offer or solicitation in any state where the agent is not licensed.
Annuities are long-term, tax-deferred insurance contracts. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company, not by any bank, credit union, or the FDIC/NCUA. Withdrawals may be subject to surrender charges, a market value adjustment, and income tax; withdrawals before age 59½ may also incur a 10% IRS penalty.
Nothing on this site is tax, legal, or investment advice. Please consult a qualified tax or legal professional about your specific situation. This agency is not affiliated with, and its products are not endorsed by, the Social Security Administration or any government agency.
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