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November 2020

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Disclosure: Investment advice is offered through APO Financial Services, LLC (“APO") 10155 Westmoor Drive, Suite 175 Westminster, Colorado 80021-2627, an investment adviser registered with the Securities and Exchange Commission. Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services offered, or that or its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to APO are available at https://apofinancial.com. Additional information pertaining to APO’s registration status, its business operations, services and fees and its current written disclosure statement is available on the SEC’s Investment Adviser public website at https://www.adviserinfo.sec.gov.

Information relating to annuities is intended for educational purposes only and should not be construed as comprehensive or all inclusive. Therefore, it should not be regarded as a complete analysis of the subjects discussed and should not be used to make an investment decision.

Annuities can be an important part of an overall portfolio, but may not be appropriate for everyone. Before purchasing an annuity, it is important to understand details of the product. Certain products may not be available i n your state. The terms of each indexed annuity varies. It is always important to speak to a financial professional. about an annuity’s features, benefits and fees, and whether an annuity i s appropriate for you, based on your financial situation and objectives. Participation rates, cap rates and/or index spreads may be subject to change by the insurance company according to the annuity contract provisions. If the insurance company makes such changes, this could adversely affect the return. Guarantees of an Indexed Annuity are backed by the claims paying ability of the underwriting insurance company. The surrender charge period for a product may be longer and the surrender charges may be higher than other annuity products. Indexed Annuities are long-term investments. If the annuity contract i s surrendered early, there i s the possibility of a surrender charge being imposed and/or the funds may be subject to income taxes. The IRS may also impose a 10% penalty on withdrawals prior to age 59 ½, depending on the circumstances. With indexed annuities, there i s the potential to lose money, depending on the product charges and minimum guarantee contract provisions. For additional information on annuities, reference the following web sites: The FINRA (www.FINRA.org) the Securities and Exchange Commission (www.SEC.gov) Insured Retirement Institute (www.irionline.org) the National Association of Insurance Commissioners (www.NAIC.org) or your state's Insurance Department.

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