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Any recommendation, fund, vehicle, account, approach, third-party money manager deposit, annuity, investment offering or product, life insurance policy, other life insurance company offering or product, and/or strategy sold, recommended, or discussed by any relevant registered investment advisor (RIA), Retirement Plans, LLC, any third-party money manager, and/or Hense R. Ellis II is not FDIC insured, not government or bank guaranteed, and not insured by any government agency.

Please also note that the United States government has significant debt and unfunded future liabilities, with a total U.S. debt exceeding $91.3 trillion and global debt over $300 trillion as of June 2022. The FDIC's potential liabilities are approximately 73 times the amount of its insurance fund.

Any annuity, life insurance policy, other life insurance company offering or product, investment offering or product, recommendation, fund, vehicle, account, approach, third-party money manager deposit-investment, and/or strategy sold, recommended, or discussed by any relevant RIA, Retirement Plans, LLC, any third-party money manager, and/or Hense R. Ellis II may lose value and/or money, including loss of principal. Principal withdrawals will negatively affect the principal balance, any future death benefit or surrender value, and the income production ability of any annuity, life insurance policy, other life insurance company offering or product, investment offering or product, recommendation, fund, vehicle, account, approach, third-party money manager deposit-investment, and/or strategy sold, recommended, or discussed by any relevant RIA, Retirement Plans, LLC, any third-party money manager, and/or Hense R. Ellis II. Any loss and/or withdrawal of principal will result in lower and/or fewer periodic payments.



Past performance of any annuity, life insurance policy, other life insurance company offering or product, investment offering or product, recommendation, fund, vehicle, account, approach, third-party money manager deposit-investment, and/or strategy sold, recommended, or discussed by any relevant RIA, Retirement Plans, LLC, any third-party money manager, and/or Hense R. Ellis II is not a guarantee of future returns, results, and/or performance.

This disclaimer applies to any annuity, life insurance policy, other life insurance company offering or product, investment offering or product, recommendation, fund, vehicle, account, approach, third-party money manager deposit-investment, and/or strategy sold, recommended, or discussed by any relevant RIA, Retirement Plans, LLC, any third-party money manager, and/or Hense R. Ellis II, whether they offer and/or sell directly or indirectly via an intermediary and/or third party.

Insurance company offerings and products (including but not limited to life insurance and annuities) are contracts between the buyer/investor and an insurance company. Promises and/or guarantees within, and/or related to, life insurance company contracts and/or illustrations rely on the financial strength and claims-paying ability of the issuing insurer. Whether and to what extent a state-based insurance reserve or guaranty system is in place to protect insurance company offerings must be determined by policy owners on a state-by-state basis.

The information on this website and in any document/information package and/or any other material from any relevant RIA, Retirement Plans, LLC, and/or Hense R. Ellis II, has been prepared for informational and educational purposes. It is not intended to provide, and should not be relied upon for, accounting, legal, tax, and/or investment advice. Please discuss this material with a professional specializing in these areas regarding the applicability of this information to your particular and unique situation. Please contact Retirement Plans, LLC before making any investment decision based on any information we relay.

Information regarding securities, investment advisory, and insurance company offerings and products found in any Retirement Plans, LLC materials is not intended for residents outside Alabama. Only information regarding certain unregulated products may be considered by residents of other states.