 Any references to annuity guarantees and optional lifetime income rely on the financial strength and claims paying ability of the issuing insurance company. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Carter Retirement Solutions is not affiliated with or endorsed by the Social Security Administration or any other governmental agency. By contacting