Neither any of our programs, including life insurance and annuities are an offer to sell or a solicitation of an offer to buy a security, and may not be relied upon in connection with the purchase or sale of any security. Not FDIC Insured. Index Annuities are not registered securities and do not directly participate in any stock or equity investment. Interest credited to an index is linked to a market index, but annuity/life insurance performance may not match the market index. Although there are minimum interest guarantees, actual interest credited may be zero in some cases. Client's acknowledge that final decision regarding premium allocation between fixed and index strategies is the annuity/life insurance owner's decision. DeSimone Blue Chip Planning, LLC., nor its employees will act as a registered investment adviser, unless certified. Client's acknowledge that no prediction or guarantee of future premiums may be made at any time. Past performance is not an indication of future performance. Index annuities are intended for retirement funding or other long term accumulation needs and have penalties for early withdrawal. A Disclosure statement, Buyer's Guide, and Suitability Statement must be provided to all annuity/life applicants. Indexing is a method for calculating interest and may include concepts such as participation, rate, cap, spread, averaging, and point to point.