Ronald C. Edwards ( CA Insurance License No. 0670963) is President and owner of Edwards & Associates Retirement Planning Specialist. The information on this website is for informational and educational purposes only. By contacting Edwards & Associates Retirement Planning Specialist you may be contacted by a licensed Insurance Professional regarding the purchase of financial products including fixed income annuities, immediate annuities, and/or bonus annuities, traditional IRA’s, Roth IRA’s, long term care, and Life Insurance with living benefits. Upon the sale of any of these financial products, our Annuity Pros receive a one time commission which comes directly from the Insurance Company and NOT from the client’s investment. This allows 100% of our client’s investment to go work immediately and there are NO CHARGES OR FEES, except for an optional income rider. Annuities are long term investments and may have surrender charges for early withdrawal which vary by State, by product, and by age. We recommend our clients have emergency funds set aside for unexpected financial emergencies. Our firm specializes in Conservative Retirement Planning for Individuals and Companies, and offers free consultations by phone, virtually using zoom, or by in-office appointments using strict Covid 19 protocol. We do not offer stocks, bonds, mutual funds, or other variable investments. We work with and are licensed with top tier Insurance Companies rated A+ (Superior) by A.M. Best which is the leading independent rating agency for Insurance Companies. Financial products offered by Insurance Companies are not FDIC insured and are backed by the claims paying ability of the underlying Insurance Company. Your personal information is confidential, and we will not share your information with anyone, except by court order. Always seek professional or legal consultation from appropriate certified professionals.