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Fowler Insurance & Employee Benefits, Inc.

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3066 Fountainside Drive, Suite 101 Germantown, TN 38138

Phone:

901-756-8227

Fax:

901-756-8240

E-mail address: gfowler@firstheartland.com

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Contact Us

3066 Fountainside Drive, Suite 101 Germantown, TN 38138

Phone:

901-756-8227

Fax:

901-756-8240

E-mail address: gfowler@firstheartland.com

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This site has been published in the United States for residents of the United States. The entire site has been prepared solely for informational purposes, and nothing contained herein should be construed as an offer to buy or sell, or a solicitation to buy or sell, any security or other investment product or to participate in any particular trading strategy. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action. All views expressed and materials presented are subject to change without notice and are not intended and should not be construed as investment, tax, or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. All information is believed to be from reliable sources; however, no representation is made as to its completeness or accuracy.

*Stocks, mutual funds and variable products are not suitable for all investors. Before making any purchase you should carefully read the prospectus and prospectuses for the underlying investment portfolios of variable products. In addition to carefully reviewing the prospectus, you are advised to consider the investment objectives, risks and charges, and expenses of the investment before investing. A prospectus may be obtained from our office or directly from the mutual fund company, insurance company or offering entity. **Variable annuities are long-term investments designed for retirement purposes. Variable products have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any variable investment options in a product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. ***Index or fixed annuities are not designed for short-term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Annuity product guarantees including optional benefits, for both fixed and variable annuity products, rely on the financial strength of and are subject to the claims‐paying ability of the issuing company.

Employees or representatives of Fowler Insurance & Employee Benefits, Inc. acting as registered representatives of First Heartland® Capital, Inc. and/or First Heartland® Consultants, Inc. may transact business in a particular state only if first registered, excluded or exempted from registration requirements. George A. Fowler is a Registered Representative of First Heartland® Capital, Inc., and Investment Advisor Representative of First Heartland® Consultants, Inc., a registered broker/dealer and registered investment adviser based in Lake Saint Louis, Missouri.

Securities offered through FIRST HEARTLAND® CAPITAL, INC. Member FINRA/SIPC
Advisory services offered through First Heartland® Consultants, Inc.

4101 Lake St. Louis Blvd. Lake St. Louis, MO 63367 636.625.0900
Fowler Insurance & Employee Benefits, Inc. is not affiliated with First Heartland® Capital, Inc.

By activating a third-party hyperlink you will leave our Fowler Insurance & Employee Benefits, Inc. website. Neither Fowler Insurance & Employee Benefits, Inc. nor First Heartland® Capital, Inc. are responsible for the validity, completeness or accuracy of any information provided on these sites.

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IMPORTANT DISCLOSURES REGARDING PERIODIC NEWSLETTERS/MARKET COMMENTARY: Content is prepared solely for informational purposes, and nothing contained herein should be construed as an offer to buy or sell, or a solicitation to buy or sell, any security or other investment product or to participate in any particular trading strategy. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action. All views expressed and materials presented are subject to change without notice and are not intended and should not be construed as investment, tax, or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. All information is believed to be from reliable sources; however, no representation is made as to its completeness or accuracy. Stocks, mutual funds and variable products are not suitable for all investors. Before making any purchase you should carefully read the prospectus and prospectuses for the underlying investment portfolios of variable products. In addition to carefully reviewing the prospectus, you are advised to consider the investment objectives, risks and charges, and expenses of the investment before investing. A prospectus may be obtained from our office or directly from the mutual fund company, insurance company or offering entity.

Employees or representatives of Fowler Insurance & Employee Benefits, Inc. acting as registered representatives of First Heartland® Capital, Inc. and/or First Heartland® Consultants, Inc. may transact business in a particular state only if first registered, excluded or exempted from registration requirements. George A. Fowler is a Registered Representative of First Heartland® Capital, Inc., and Investment Advisor Representative of First Heartland® Consultants, Inc., a registered broker/dealer and registered investment adviser based in Lake Saint Louis, Missouri. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.

Past performance may not be indicative of future results. Nothing contained herein shall be viewed as a guarantee of future performance and any references to past performance are not indicative nor a guarantee of future results. This report contains certain statements, estimates and projections that are “forward-looking statements”. These statements can generally be identified by the use of forward-looking terminology including "may," "believe," "will," "expect," "anticipate," "estimate," "continue," "rankings," “intend,” “outlook,” “potential,” or other similar words. All statements other than statements of historical fact contained herein are forward-looking statements, and neither First Heartland® Capital, Inc., First Heartland® Consultants, Inc. nor the named Financial Professional(s) make any guarantees, representations or warranties (express or implied) about the accuracy of such forward-looking statements. Forward-looking statements involve certain risks, uncertainties, assumptions and other factors that are difficult to predict. Readers are cautioned that actual results of the investments referenced herein could differ materially from forward-looking statements; and readers are cautioned not to view forward-looking statements as actual results or place undue reliance on forward-looking statements.

All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs, or expenses. Investors cannot invest directly in indices. Prices of securities may fluctuate from time to time and may even become valueless. Securities in this report are not FDIC-insured, may lose value, and are not guaranteed by a bank or other financial institution. In addition to any applicable advisory fee or commission, overall returns may be reduced by expenses that an investor may incur in the management of the investor’s account, such as for custody or trading services, which will vary by investor and may exceed any trading costs reflected herein.

Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly, will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio. All 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. Due to various factors, including changing market conditions, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained herein serves as the receipt of, or as a substitute for, personalized investment advice. To the extent that a reader has questions regarding the applicability of any specific issue discussed to his/her individual situation, he/she is encouraged to consult with the Financial Professional of his/her choosing. A copy of the named Financial Professional's written disclosure statement discussing their advisory services and fees (if applicable), as well as First Heartland® Capital, Inc.'s and First Heartland® Consultants, Inc's. Form CRS and Compensation/Conflicts of Interest Disclosure is available for review upon request or via https://www.firstheartland.com/disclosures.

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