Solutions to Help with Planning and Protection

Insurance touches many aspects of your life: financial, medical, legal and legacy. Mariner’s team of insurance specialists provide advice focused on your financial goals to help you plan for and protect your life, family and property.

This material is being provided for informational or educational purposes only and is not intended to be personalized investment advice nor any specific recommendation to engage in any insurance solution referenced herein. Persons seeking information regarding their particular needs should contact a financial professional prior to making any financial-related decision.

Certain associates of Mariner are licensed insurance agents and in such capacity recommend the purchase of certain insurance-related products. These individuals are compensated for the sale of these insurance-related products. The recommendation that a client purchase an insurance commission product through an affiliate of Mariner is a conflict of interest, as the receipt of commission, provides an incentive to recommend products based on commissions received, rather than on a particular client’s need. Mariner receives compensation from its affiliated insurance company in addition to the indirect financial incentive to recommend the affiliate due to common ownership. Clients are reminded that they are under no obligation to purchase any commission products and may purchase insurance products recommended by Mariner through non-affiliated entities.

Insurance and annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. These products may be subject to restrictions, fees, surrender charges, etc. Some withdrawals from tax-deferred products may be subject to ordinary income taxes and if under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

Private Placement Life Insurance is an unregistered securities product and is not subject to the same regulatory requirements as registered products. As such, Private Placement Life Insurance is only available to accredited investors or qualified purchasers as described by the Securities Act of 1933. Investing in securities involves risk and the potential to lose principal.

In a “life settlement” transaction, a life insurance policy owner sells his or her policy to an investor in exchange for a lump sum payment. The amount of the payment from the investor to the policy owner is generally less than the death benefit on the policy. The dollar amount offered by the investor usually considers the insured’s life expectancy (age and health) and the terms and conditions of the insurance policy. There are considerable risks associated with life settlements. For additional information please refer to www.sec.gov/investor/alerts/lifesettlements-bulletin.

Mariner is the marketing name for the financial services businesses of Mariner Wealth Advisors, LLC and its subsidiaries. Investment advisory services are provided through the brands Mariner Wealth, Mariner Independent, Mariner Institutional, Mariner Ultra, and Mariner Workplace, each of which is a business name of the registered investment advisory entities of Mariner. For additional information about each of the registered investment advisory entities of Mariner, including fees and services, please contact Mariner or refer to each entity’s Form ADV Part 2A, which is available on the Investment Adviser Public Disclosure website. Registration of an investment adviser does not imply a certain level of skill or training.