Common Sense Retirement Planning offers insurance products and services. We do not provide tax or legal advice. Life insurance and annuity products contain fees and charges, including surrender penalties, and may contain restrictions and limitations. Medical and financial underwriting may be required to qualify for life insurance or optional riders. Long term care (LTC), Chronic illness and other riders are not available on all insurance and annuity products. The addition of a rider may require an additional fee. Product and feature availability may vary by state. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Liquidity from life insurance policies and annuities is generally in the form of policy loans and/or withdrawals, which may be subject to interest charges and surrender penalties and may reduce the ultimate death benefit and cash value. Adverse tax consequences may result if withdrawals exceed premiums paid into the policy. Distributions may be subject to ordinary income taxes and potentially a 10% IRS penalty (if taken before age 59 1/2).

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Securities and advisory services offered only by duly registered individuals through Madison Avenue Securities LLC, member FINRA/SIPC and a Registered Investment Advisor. MAS and Phillip Allen Inc. or Common Sense Retirement Planning are not affiliated entities.

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