Research and Referrals Health Insurance Links Travel Medical Trip CancellationResearch Tools Fund Analyzer 529 College Savings Plan Expense Analyzer Scam Meter CalculatorsRetirement Calculator College Savings Calculator Loan Calculator Savings Calculator 401(k) and IRA Minimum Required Distribution Calculator Referrals: I trust and recommend the following people. In many cases I have first-hand experience with their services. Call me (303.792.5373) to hear more about them.Auto Buying/Leasing: Curt Hoffman at Centennial Leasing and Sales. 303.475.6609 [email protected]Auto Repair: Gary's Full Service Auto Repair. 303.364.8344 (30 S. Havana #304R Aurora)Accountant: Paul Tirone at Eide Bailly. 303.539.5918. [email protected]Insurance: Homeowners/Auto/Umbrella/Sm. Bus Liability: Sarah Lampard at Avalue Insurance 303.773.3332 [email protected] Kitchen/Bath Design: Trip Butler at Design First Kitchen & Bath 720.222.9620Lawyers: Wills/Trusts/Probate/Estate/Tax/Business: Davis Schilken PC 303.670.9855 DTC & GoldenMovers: Priority One Moving & Hauling. Brandon Crockett & Tyson Cohen 720.429.9330Mortgage/Refi: Jan Parsons at Prime Lending 303.658.9519 [email protected]Plumber: Mark Friesen at Southside Plumbing 303.346.8426Realtor: Kim Kronenberger at [email protected]Roofer: Brian Friend at Beyond Roofing 303.239.6633 [email protected]Travel Agent: Mark Westwood at Westwood Travel 303.988.1000Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.There is a surrender charge imposed generally during the first 5 to 7 years that an investor owns a Variable Annuity contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account value will fluctuate with changes to market conditions.Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. The prospectus contains this and other information about the funds. Contact Stephen Alsdorf at 88 Inverness Cir E Unit N103 Englewood, Colorado 80112 United States or call us at 303.792.5373 or contact the fund directly to obtain a prospectus which should be read carefully before investing or sending money.