Investment Advisory Services offered through O.N. Investment Management Company. Securities offered through the O.N. Equity Sales Company. Member FINRA/SIPC. One Financial Way, Cincinnati, Ohio 45242. 513/794-6794. HollandStivers & Associates, LLC is independent of the O.N. Equity Sales Company. Our representatives are licensed to sell health and life insurance in Alabama, Illinois, Kentucky, Missouri, Ohio, Tennessee, and Texas. Our representatives are licensed to sell securities in Illinois, Indiana, Kentucky, Missouri, Mississippi, North Carolina, and Tennessee. Early withdrawals may be subject to surrender charges (contingent deferred sales charges.) Withdrawals may be subject to ordinary income tax and, if taken prior to age 59 ½, a 10 percent federal tax penalty may apply. Fixed annuities are not insured or guaranteed by the FDIC or any other government agency. Variable annuities and Mutual Funds are sold by prospectuses which contain more complete information including investment objectives, strategies, risk factors, fees, contingent deferred sales charges and other costs that may apply. Please read the prospectuses carefully before investing. Past performance is no guarantee of future results. Variable annuities are long-term investment vehicles designed for retirement purposes. Early withdrawals or surrender charges may be subject to surrender charges (contingent deferred sales charges.) Withdrawals may be subject to ordinary income tax and if taken prior to age 59 ½, a 10 percent federal tax penalty may apply. Withdrawals reduce the death benefit, cash surrender value and any living benefit amount. Variable annuities are not insured or guaranteed by the FDIC or any other government agency and are subject to investment risks, including possible loss of principal investment. Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses. Asset allocation does not assure a gain and does not protect against a loss in declining markets.