Disclosure: Fern Prosperity LLC is an independent financial services firm helping individuals and families create customized retirement and wealth-building strategies using a variety of investment and insurance products tailored to their needs and objectives. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM, Fern Prosperity LLC, and Pri Cosentino, LLC are independent of each other.

Information provided is not intended as tax or legal advice and should not be relied upon as such. You are encouraged to seek advice from an independent tax or legal professional. Pri Cosentino and Fern Prosperity LLC are not affiliated with or endorsed by the Social Security Administration or any other government agency. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or a solicitation of any offer to buy a security or any insurance product. Any references to protection benefits or steady and reliable income streams refer only to fixed insurance products, not securities or investment advisory products.

Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities may be subject to fees, surrender charges, and holding periods that vary by insurer. Annuities are not FDIC insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable; however, no representation is made as to their completeness or accuracy. This content is for informational purposes only and should not be construed as advice designed to meet the particular needs of an individual. Third-party ratings and recognitions are not indicative of future performance and should not be construed as endorsements.