 The opinions voiced and information provided in this material are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual. To determine what investments are appropriate for you, please consult with a financial advisor. Talent Private Wealth does not provide tax or legal advice. Please consult your tax or legal advisor regarding your particular situation. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Investors should consider the contract and the underlying portfolio's investment objectives, risks and charges and expenses carefully before investing.