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© 2025 Investment advisory services offered through Optivise Advisory Services, LLC, a Registered Investment Advisor. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. Annuity guarantees are backed-solely by the financial strength and claims paying ability of the issuing insurance company. Justin Time Insurance & Investments is not affiliated with, nor endorsed by the Social Security Administration or any other government agency. CA DOI License # OK62757