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255 Butler Ave, Ste 101
Lancaster, PA 17601
(717) 575-5227

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INCOME PLANNING
Social Security Strategies
Indexed Annunities
Tax Advantaged Retirement
Lifetime Income
Withdrawal Strategies

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Steven Hohenwarter offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), a SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Assets & Insurance Management, Inc. is not a registered investment advisor and is independent of Gradient Advisors, LLC. Insurance products and services are offered through Steven Hohenwarter, independent agent.

Assets & Insurance Management, Inc., Steven Hohenwarter and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Steven Hohenwarter, and our editorial staff.

The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell Investment Advisory Services to any residents of any State other than the State(s) Steven Hohenwarter, is registered or where otherwise legally permitted. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.

Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting.  For information on how life insurance works, including fees and expenses, it is recommended that you work with a licensed insurance agent.

Fixed indexed annuities and life insurance policies are designed to meet long-term needs for retirement. Early withdrawals from an annuity may result in loss of principal and credited interest due to surrender charges.  Any distributions may be subject to ordinary income tax and, if taken prior to age 59 1/2, an additional 10% federal tax.  Guarantees are backed by the financial strength and claims paying ability of the insurance carrier.  Benefit riders may only be available with an additional fee. Fixed Indexed annuities do not directly participate in any stock or equity investments and you are not buying shares of any stock or index. Interest credited to an annuity may be limited by caps, spreads, and participation rates. Individual results will vary.