License Information and Important Disclosures
Since 1986
Edwards & Associates tax sheltered annuity specialist
has been a leader in the Educational 403(b) marketplace. Edwards
& Associates is a professional organization licensed to
offer 403(b) annuities to all eligible public school employees
in the states of California, Arizona, Nevada, Utah, New Mexico,
and Idaho. We are licensed with the leading 403(b)
companies approved by your school district. This allows us
to compare and offer you the best 403(b) annuity for your
individual needs. WE DO NOT CHARGE FOR OUR SERVICES.
Our compensation comes directly from the 403(b) company and
does not affect your annuity contributions.
OUR
INVESTMENT PHILOSOPHY IS CONSERVATIVE!
We offer only guaranteed, fixed 403(b) annuities which are
the safest type available. Your 403(b) annuity contributions
will never earn less than 3%, regardless
of market conditions. The interest you earn on your 403(b)
annuity will fluctuate depending on current market conditions
but will never earn less than 3%. Please
give us a call for current interest rates. With a fixed 403(b)
annuity, all of your money (100%) goes to work immediately.
There are no maintenance fees, or administrative charges.
WE
DO NOT OFFER MUTUAL FUNDS OR VARIABLE 403(b) ANNUITIES.
Although returns can be higher, these types of products can
be riskier and most have 12b1 fees, or ongoing administrative
charges. Most importantly, they DO NOT prevent against loss
of principle! Although mutual funds and variable annuities
may be part of your overall portfolio, our experience finds
that the vast majority of public school employees prefer the
guarantees associated with fixed 403(b) annuities.
A 403(b)
annuity is a voluntary savings program which is payroll deducted
by your employer each month before taxes. This is a long term
savings program designed to supplement your retirement. Early
withdrawals prior to age 59 1/2 may be subject to a 10% early
distribution penalty, taxes, and possible surrender charges.
Most fixed 403(b) annuities offer loan provisions. Edwards
& Associated does not offer legal, or tax advice.
Privacy
Policy
Edwards
& Associates values and respects your privacy. We DO NOTsell
or share confidential client information to third parties
under any circumstances, except by court order.
Life
& Disability Licensed in 6 States
| |
California
Insurance License No. 0670963 |
New
Mexico Insurance License No. 652470 |
| |
Nevada Insurance
License No. 174081 |
Arizona Insurance
License No. 155548 |
| |
Utah Insurance
License No. 203332 |
Idaho Insurance
License No. AL103005 |
| |
Ohio Insurance License No. 737887 |
|
Securities
Securities offered
through American Investors Company, 2682 Bishop Drive, Suite 123, San
Ramon, CA 94583, (925) 866-2882. American Investors Company is a member
of FINRA / SIPC. FINRA's webiste is www.finra.org.
American Investors Company website is www.americaninvestorsco.com.
Ronald C.Edwards may be contacted through his advisor linked email address:
redwards@aicrep.com. American
Investors Company and Ronald C. Edwards are licensed in California,
Nevada, Arizona, New Mexico, Utah, Idaho, and Ohio, and may only transact
business in those states. If you do not reside in one of these states,
we will not attempt to transact securities or provide you with personalized
investment advice unless and until we are licensed in your state.
