Farmers Financial Solutions Agent in Montrose, CO

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CO 91361. Member FINRA & SIPC.

MUTUAL FUNDS: Purchasers should consider the objectives, risks, charges and expenses of the mutual funds before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so such shares, when redeemed, may be worth more or less than the original amount invested. ANNUITIES (all): Annuities are long-term investments designed to provide a tax-deferred savings for and during retirement. Distributions taken before age 59 ½ may be subject to an early withdrawal penalty and may also be subject to a contingent deferred sales charge. Indexed annuities are long-term investments designed to help meet retirement needs. An indexed annuity offers allocation options called index-linked strategies. Index-linked strategies offers clients some level of downside protection combined with upside potential linked to the price return (excludes dividends) of an index, such as the S&P 500. The upside potential is typically capped for each index period and these cap rates are declared in advance by the insurance company.

VARIABLE ANNUITIES: Variable annuities are subject to insurance related charges and fees. Purchasers of variable annuities should consider the objectives, risks, charges and expenses of the contract and underlying investment options before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so such shares, when redeemed, may be worth more or less than the original amount invested. Performance of variable insurance contracts will be affected by annual mortality and administrative expenses and is subject to a declining deferred surrender charge. Income payments are guaranteed by the insurance company, but subject to the company's claims paying ability. Withdrawals and/or other distributions of taxable amounts, including death benefits, may be subject to ordinary income tax and a possible 10% federal tax penalty if taken prior to age 59½. Withdrawals may reduce the value of the death benefit and any optional benefits. Please consult your tax preparer or CPA.

VARIABLE UNIVERSAL LIFE INSURANCE: Variable universal life insurance is subject to insurance related charges and fees including annual mortality, administrative expense and declining deferred surrender charges. Purchasers of variable insurance contracts should consider investment objectives, risks, charges and expenses of the contract and underlying investment options before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so that when shares are redeemed they may be worth more or less than the original amount invested. Withdrawals and surrenders are at net asset value, may affect the contract's performance and/or death benefit amount, and a taxable gain may be recognized. Please consult your tax preparer or CPA.