Menu of Services
Investment* & Retirement Planning:
College Planning
529 Plans*
Educational funding options
Legacy Planning
Retirement Planning
401(k)’s*403(b)’s*
Defined Benefit Plans*
Defined Contribution Plans*
Individual and Joint Tenant Non-Retirement Accounts*
Rollovers*
Roth IRA's*
SEP’s*
SIMPLE IRA’s*
Traditional IRA’s
Trust Accounts*
UTMA/UGMA’s*
Insurance
Fixed and Variable Annuities*
Life Insurance
Disability Insurance
Long Term Care Insurance
Insurance Analysis
*Investment and financial planning services are offered by Dexter Ward and/or Tammy Cranford through his or her affiliation with Cetera Wealth Services, LLC and Cetera Investment Advisers, LLC.
Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan. Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information. There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. The prospectus contains this and other information about the variable annuity. Contact Dexter Ward or Tammy Cranford at 309 W. Woodard St., Denison, TX 75020 or (903) 465-6199 to obtain a prospectus, which should be read carefully before investing or sending money.