Disclosures
Variable Annuities are suitable for long term investing, particularly for retirement. Guarantees or ratings are based on the claims paying ability of the issuing insurance company. There are fees and charges associated with VA’s including mortality and expense charges, administrative fees, and annual contract fees. Withdrawals of earnings will be subject to income tax and possible federal tax. Surrender charges may apply for early withdrawal. Investment options may be restricted with living benefits riders. See prospectus for more details.
For more information about any 529 college savings plan, contact the plan provider to obtain a Program Description, which includes investment objectives, risks, expenses, and other information; read and consider it carefully before investing. If you are not a taxpayer of the state offering the plan, consider before investing whether you or the designated beneficiary’s home state offers any state tax benefits.
An ETF is an investment fund traded on stock exchanges, much like stocks. Like stocks, ETFs are subject to market volatility. When buying or selling an ETF, you’ll pay or receive the current market price, which may be more or less than net asset value.
Investments mentioned may not be suitable for all individuals. Consult your financial professional before making any investment decision.
Risks in commodities investing are subject to world events, liquidity, shifting market preferences, trade signal disruption, and many other things that cannot be successfully predicted, but do have a significant impact on your future results.
Hedge funds are speculative in nature and may use leverage or other aggressive investment practices. As a result, their returns may be highly volatile, and you may lose all or a portion of your investment in the fund.
Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. If you require specific advice, please consult a tax professional.
A Mutual Fund is an open-ended fund operated by an investment company which raises money from shareholders and invests in a group of assets, in accordance with a stated set of objectives.
You should consider the investment objectives, risks, and charges and expenses of the Jefferson Annuity carefully before investing. The prospectus contains this and other information about the annuity. You may obtain a prospectus by calling 1-866-667-0564 or visiting the website at www.jeffnat.com. You should read the prospectus carefully before investing.

00. Marketwatch Press Release – Joseph W. Spada 2023 Leading Financial Advisor.
02. Forbes.com article I wrote on tax-smart investing.
04. Wall Street Journal Article with my comments on wealth transfer planning using carried interest and trusts.
05. Barron’s cover story where I explain the income tax deferral benefits of annuities.
06. New York Times article with my advice on how investors can safeguard their assets.
10. Bloomberg article with my advice on ROTH IRA’s.
13. USA Today article with my insight on retirement and IRA planning.
14. Worth magazine column I wrote on real estate and estate planning.
20. Good Housekeeping magazine with my commentary on mortgage financing.
25. Daily Finance article with my insight on ETF's.
26. Bankrate.com article featuring my advice on how to save in the current market.
29. Boston Globe column with my views on investor sentiment.
30. Fox News piece with my advice to investors coming into large sums of money.
31. Consumer Reports Money Adviser article with my comments on ways to prevent home foreclosures.