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Garry Snow offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Integrity Advisory Group, Inc. is not a registered investment advisor and is not an affiliate of Gradient Advisors, LLC. Insurance products and services are offered through independent agents. Integrity Advisory Group, Inc., Associates of Integrity Advisory Group, Inc. and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Garry Snow, and our editorial staff. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell Investment Advisory Services to any residents of any State other than the State(s) Garry Snow, is registered or where otherwise legally permitted. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.

The information contained on this page is not investment or financial advice and you should consult the appropriate financial services professional for investment or financial advice. The information contained on this page is informational in nature only and is not a recommendation to purchase or invest in a specific financial product. This is not legal or tax advice and you should consult an attorney or tax advisor for the appropriate advice.

Variable annuities are subject to investment risk, including possible loss of principal. Before investing in a variable annuity, consider the investment objectives, risks, charges and expenses and other important information. This information may be found in the variable annuity prospectus.

Fixed indexed annuities are affected by changes in a stock or equity index over the crediting period. Even though changes in the index affect the interest credited to the fixed indexed annuity policy, a fixed indexed annuity is not an investment in the stock market and does not participate in equities, commodities, fixed income or currencies.

Guarantees are based on the claims paying ability of the insurance company.

Annuities are insurance products and are subject to state insurance laws and regulations. Annuities are designed to be long-term insurance products for retirement. Annuity guarantees are based on the claims paying ability of the insurance company. Annuities can involve charges such as administrative fees, annual contract fees, rider fees, mortality & risk expense charges and surrender charges. Some annuities may be subject to caps, spreads, administrative fees and/or participation rates that will limit and/or lower the amount of interest that is credited to the annuity. Early withdrawals may be subject to surrender charges and can impact annuity cash values and death benefits. Withdrawing more than the guaranteed annual withdrawal amount on an annuity with an income rider can reduce the future guaranteed annual withdrawal amounts. Taxes are payable upon withdrawal of funds. An additional 10 percent IRS penalty may apply to withdrawals prior to age 59½. Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association. When considering replacing or transferring out of an annuity it's important to understand what costs may be incurred such as surrender charges and the loss of death, tax consequences and/or income benefits.