Securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Palm Beach Private Wealth Management are not affiliated.

This communication is strictly intended for individuals residing in the states of FL, NJ, and VA.

No offers may be made or accepted from any resident outside the specific state(s) referenced. The information being provided is strictly as a courtesy. When you link to any of these web- sites provided herein, Palm Beach Private Wealth Management makes no representation as to the completeness or accuracy of the information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your use of third-party technologies, sites, information, and programs made available through this site.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio. No investment strategy, such as asset allocation,
can guarantee a profit or protect against loss. Actual client results will vary based on investment selection, timing, market conditions, and tax situation. Structured products are complex. Protections on structured notes may be full, partial or contingent on a specific event occurring, such as a specific loss range. Gains may also be capped as a tradeoff for protections. Notes carry a call risk or the ability for the issuer to call or redeem the note before maturity. This can result in gains or losses. Protections are subject to the creditworthiness of the issuer. Protections may only apply if held to maturity and there may be no secondary market for structured notes. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. A Fixed Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Fixed Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees and for optional contract riders and benefits. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 1/2, a 10 percent penalty may apply. Fixed Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain Fixed product features, offered by some Fixed Annuity companies, such as stepped-up death benefit, a bonus credit and a guaranteed minimum income benefit, carry added fees. If you are investing in a Fixed Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying a Fixed Annuity if it makes sense because of the Fixed Annuities other features, such as lifetime income payments and death benefit protection. All guarantees of a Fixed Annuity are backed by the claims paying ability of the issuing insurer.

Cambridge does not offer tax or legal advice.
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