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Kerrville Office

953 Myrta Street

Kerrville, TX 78028

Phone: (830) 370-1185

Mon-Sun: By Appointment

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Office: (830) 370-1185

953 Myrta Street

Kerrville, TX 78028

Series 65, IAR, Life and Health

stephen.foley@hbwadvisory.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of an equity-index annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Equity index annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy.

Investment advisory services offered through HBW Advisory Services LLC. Stephen Foley is an Investment Advisor Representative, dba, Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc.. Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc., HBW Insurance & Financial Services, Inc., dba, HBW Partners, and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice. HBW entities are located at 3355 Cochran St., Suite 100, Simi Valley, CA 93063, (800) 473-3856.

All products are not represented by HBW. All HBW agents do not sell all products offered through the HBW Insurance & Financial Services, Inc., dba HBW Partners network of products and/or providers. Although Stephen Foley, dba Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc., is a part of the HBW Insurance & Financial Services, Inc. marketing system, Stephen Foley is separate and independent.

Advisory Services: Texas, Ca. Il. And NC

Life Insurance: Texas license # 1951404 and CA. license # 0A76213