JV Financial Services LLC offers insurance products through independent contracts with National Life Group, American Equity, Athene, and Lafayette Life. George L. Verar is a licensed insurance agent (Texas Insurance License #3035260). This website is for general informational purposes only and does not constitute tax, legal, accounting, actuarial or investment advice, or a guarantee of any specific outcome. JV Financial Services LLC is not a registered investment adviser and is not a broker-dealer. Guarantees are backed by the claims-paying ability of the issuing insurance carrier. Annuities and life insurance are not FDIC insured and are not deposits of or guaranteed by any bank. Products, rates, and terms vary by state and carrier. Retirement plan design, qualification and funding are complex and fact-specific; consult your tax advisor, ERISA counsel and, where applicable, an enrolled actuary. Tax figures cited are for the 2026 plan and tax year per IRS Notice 2025-67 and the Instructions for Form 8881 (rev. 12/2025) and are subject to change. George L. Verar receives commissions from insurance carriers when products are purchased through him; this conflict is disclosed in writing no later than the time of any recommendation. JV Financial Services LLC is a separate legal entity from JV CPA INC. and products described here are not offered by or affiliated with JV CPA INC.