 Retirement Income Strategies is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered through Retirement Income Strategies, an SEC-registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only.