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Market Downturn

Retirement risk isn’t the market drop—it’s being forced to take withdrawals during the drop and locking in losses. That’s why strong plans often include a liquidity bucket so your investments have time to recover. In addition to the guaranteed death benefit, some whole life policies can be structured to support that kind of liquidity and flexibility—depending on your goals, age, and health. Join my upcoming webinar (Feb 25): ➡️ RSVP for future events here: https://attendee.gotowebinar.com/rt/7... Want personal guidance? Request our Retirement Intake Form to schedule a Retirement Strategy Session (it only takes a few minutes): ➡️ Request the intake form here: https://info-curryschoenfinancial.com... Important note: Policy design and results depend on age, health, and how the policy is structured. Dividends are not guaranteed, and optional benefits are subject to eligibility and policy terms. This material is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. The primary purposes of life insurance is the death benefit. Life insurance is intended to provide death benefit protection for an individual’s entire life. With whole life insurance the payment of the required guaranteed premiums, you will receive a guaranteed death benefit and guaranteed cash values inside the policy. Guarantees are based on the claims-paying ability of the issuing insurance company. Dividends are not guaranteed and are declared annually by the issuing insurance company’s board of directors. Any loans or withdrawals reduce the policy’s death benefits and cash values and affect the policy’s dividend and guarantees. Whole life insurance should be considered for its long-term value. Early cash value accumulation and early payment of dividends depend upon policy type and/or policy design, and cash value accumulation is offset by insurance and company expenses. April is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. North Florida Financial is not an affiliate or subsidiary of PAS or Guardian. 8727633.1 Exp 1/28