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3.25%*

Initial Interest Rate

Fixed Account

6.30%**

Initial Cap Rate

S&P 500 Monthly Average Cap Rate

Consider a Fixed Index Annuity

$50,000 Minimum Investment
No Fees
Principal protection
10% annual free withdrawals each year
Surrender penalties (9, 8, 7, 6, 5, 0%)
Death Benefit: Full Account Value at Death

Fixed Index Annuity Issued by Reliance Standard

*Fixed Interest - Strategy: Annual compound interest will be credited at a stated rate under this Strategy for each Contract Year. The initial interest rate will be guaranteed for the first Contract Year. Thereafter, the interest rate will be as declared by RSL for each subsequent Contract Year.

** Annual Monthly Average - Capped Strategy: Interest credited under this Strategy for a Contract Year will be equal to the amount by which the average value of the S&P 500 Index, as measured on the twelve monthly contract anniversary dates following the inception of the Contract Year, exceeds the value of the S&P 500 Index at such inception, but will not be less than zero or greater than the maximum amount (Index Interest Cap) in effect for that year.

Rates valid as of 11/29/2018 and are subject to change.

Call me today.

John F. Harty, AIF®

Director of Wealth Management

(415) 407-4991

CA Insurance Lic#: 0J21486

John.Harty@LPL.com

Sterling Wealth Management

400 Montgomery Street

Suite 100

San Francisco, CA 94104

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance
products offered through LPL Financial or its licensed affiliates.

Fixed Index Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency