When we think of our retirement years, we focus on what we will be able to do with the additional free time will we have; such as exploring new places or picking up a hobby we always had a passion for. As we look forward to that future, we might find ourselves wondering if we will have enough income to support not only our current lifestyle but also the items we have on our bucket list throughout our golden years. An annuity can be the solution. Annuities can offer an additional income stream that you can rely on to achieve the retirement you have envisioned for yourself.
Meet Jim and Claire
Jim and Claire Smith, both 56, are dedicated golfers and enjoy spending their free time on the course. While work and family events keep them busy for the most part, they try to play as much as possible. During their retirement years, they hope to travel to exquisite courses around the country to further pursue their passion of golf. Jim and Claire meet with their financial professional, John, and express this vision of their retirement. During their conversation, John explains how diversifying a part of their portfolio into a fixed-indexed annuity can offer principal protection and lifetime income which could be the solution to providing the additional resources to fulfill their lifelong dream. He further explains how it is customizable based on their retirement needs. In addition to helping them meet their current goals, it can allow them to adapt and adjust their investment length, growth potential, and protection levels as their financial objectives change over time. Jim and Claire end up purchasing the annuity based on John’s advice, and now feel confident about their future. They are excited about their golden years, looking forward to living the retirement they have always envisioned.

Finding Happiness in Your Golden Years
DISCLOSURE
The information contained herein is general in nature, has been obtained from various sources believed to be reliable and is subject to changes in the Internal Revenue Code, as well as other areas of law. This material is for informational purposes only and should not be construed as a solicitation of any particular insurance product or insurance carrier. Insurance is sold through Oppenheimer Life Agency, Ltd. (OLA), an indirect wholly owned subsidiary of Oppenheimer Holdings. Before purchasing a policy of insurance, please review both the insurance carrier and the insurance policy carefully before investing. A strategic alliance exists between OLA and various outside providers whereby products and services may be utilized. Such providers may receive compensation as a result of the strategic alliance. However, the firms are completely independent of each other. This material is not a recommendation as defined in Regulation Best Interest adopted by the Securities and Exchange Commission. It is provided to you after you have received Form CRS, Regulation Best Interest disclosure and other materials. Oppenheimer & Co. Inc. Transacts Business on all Principal Exchanges and Member SIPC. 5492491.1