Services At Intellectual Business Solutions, Inc., we provide customized assistance in the following areas: Investments Bonds Check Writing Common Stock Debit Card Educational IRA Brokerage Accounts Traditional IRA Roth IRA SEP IRA Simple IRA Treasury Bills Government Securities Treasury Notes Variable Annuities Financial Planning Retirement Plans Tax Plans 401k Planning 403b Planning College Plans Estate Plans Money Management Money Purchasing Plans Profit Sharing Plans Insurance Disability Income Insurance Life Insurance Long Term Care Insurance Individual Health Insurance Group Health Insurance Intellectual Business Solutions understands and attests that they are an ERISA fiduciary as defined in the Fiduciary Rule under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986. Intellectual Business Solutions adheres to the Impartial Conduct Standards (including the “best interest” standard, reasonable compensation and no misrepresented information). This relates to all ERISA accounts including Individual Retirement Accounts (IRAs).Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.