Legal Stuff

Note: Annuities are sold by prospectus, which includes details including fees and expenses. Please obtain a prospectus and read it carefully before investing or sending money.

Any withdrawals may be subject to income tax and, prior to age 59 1/2, a 10% federal penalty tax may apply. Withdrawals from annuities will affect both the account value and the death benefit. The investment return and value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.

Past performance is no guarantee of future results.

All inquires will be handled by a representative that is registered in the state in which you reside.

This Web Site and its internet address are the sole property of
Thomas E. Harding.

The following  office will be responding to certain inquires made from this web site.

8226 Village Harbor Drive
Cornelius, NC 28031

California License# 0830184
Minnesota License#61122

This site is published for residents of the United States only. Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact Thomas Harding at 800-944-7730 for information and availability.

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS we are not qualified to render advice on tax or legal matters nor is the information on this site intended for those purposes. Please consult a qualified licensed CPA or attorney for that advice.