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What Is An Annuity?

Immediate or deferred annuity: there's no right answer.

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC)

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in AL,NC,VA.

We are registered to sell Securities in AL,CT,DC,MD,NC,VA.

Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.

Fernandes Wealth Management, LLC is not a subsidiary of nor controlled by Voya Financial Advisors.

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