Services

Investment Resources of America Products and Services

* Retirement, Estate and Financial Planning Services.
* Investment Planning and Portfolio Review.
• Individual Retirement Accounts including   
   Traditional and Roth IRA's.
• Business Retirement Plans including 401(k),
   Simple IRA and 403(b) plans.
* Fixed and Variable Annuities.
• Life Insurance.
• Long Term Care Insurance
* Mutual Funds.
* Real Estate Investment Trusts.

* Individual Stocks, Bonds and Investment Securities.

Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

Mutual Funds are sold by prospectus.  Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.