Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company or bank. Each CD is a direct obligation of the issuing bank and is neither directly nor indirectly an obligation of IAMS Wealth Management or its Advisors. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained in this document shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Any references to protection benefits or steady and reliable income streams in this document refer only to fixed products. They do not refer, in any way, to securities or investment advisory products.