DISCOVER Annuity "REFINANCING" 

Important Disclosures: Replacing an annuity is not suitable for everyone. You should carefully consider all features, costs, limitations and benefits of your existing annuity contract and any new proposed contract, as well as the financial strength of each issuing company. There may be surrender charges on your existing annuity, and you will likely be subject to a new surrender schedule on the new annuity. If your existing annuity has any living or death benefit riders, these values may be higher than your account value and you may forfeit any existing living and death benefit values. In addition, you need to be aware of any fee differences between your old annuity and the new annuity, as well as the contractually guaranteed rates and features between both annuities. Caps, spreads and participation rates on FIAs may vary, perhaps widely, among annuities, and are subject to change by the issuing company throughout the life of the annuity contract. Fixed indexed annuities generally offer guaranteed interest of 0% unless you are specifically allocated to a fixed interest allocation option. Future indexed interest is not guaranteed.

Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company. They involve fees and charges including possible surrender penalties. Product and feature availability may vary by state.

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. If an annuity contract is surrendered early, there is 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 is the potential to lose money, depending on the product charges and minimum guarantee contract provisions. For additional information on fixed annuities, reference the following web sites: National Association of Insurance Commissioners (www.NAIC.org) or your state's Insurance Department.[SD1] 

Investment advice is offered through APO Financial Services, LLC (“APO") 10155 Westmoor Drive, Suite 125, Westminster, Colorado 80021-262, 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 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.