American Retirement Institute is not affiliated with any collegiate university or college. American Retirement Institute is not an accredited educational institution and/or program and is not recognized by any accrediting agencies or state approval agencies. Information provided by American Retirement Institute is not a Postsecondary Education in any subject matter. The financial educators are licensed insurance professionals. They may also be Registered Representatives and/or Investment Advisor Representatives. To verify if your financial educator is a Registered Representative and/or Investment Advisor Representative please visit https://brokercheck.finra.org/. The material presented is not intended as legal or tax advice, or as any other type of specific advice, and should not be construed or interpreted as such. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances. The generalized information we provide regarding tax minimization planning is not intended to and cannot be used by anyone to avoid paying federal, state, or local municipality taxes or penalties. Any references to annuity guarantees and optional lifetime income rely on the financial strength and claims-paying ability of the issuing insurance company. American Retirement Institute and the presenter(s) are not affiliated with, or endorsed by, the Social Security Administration or any other government agency. By contacting us, you may be offered information regarding the purchase of insurance and annuity products. For a more personalized experience with the information you discovered, you may be interested in attending a Lab Session. The Lab Session is intended to transition you from course education to presenting you with financial products and services that you may wish to purchase for your customized retirement portfolio.