Legend Financial Marketing Services, LLC

Legend Financial will close early on Friday, August 29 and resume normal business hours on Tuesday, September 2. This Labor Day, we’re especially grateful for the hard work of the Legend Financial team and the independent agents we partner with, who dedicate themselves every day to serving clients with excellence. --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

When a client thinks they no longer need life insurance, it’s usually because they only see it as income replacement. Top agents help them see the strategic potential: • Estate Equalization: Keep the peace in blended families or among heirs with unequal asset distribution. • Wealth Transfer Efficiency: Leverage tax-advantaged death benefits for heirs or charities. • Liquidity at Death: Cover taxes, expenses or business buyouts without a fire sale of assets. • Living Benefits: Access cash value for emergencies, long-term care or opportunities. Positioning life insurance as a financial tool, not just a safety net, is how top agents keep relationships strong and business growing. Your client may think they’re “done” with life insurance, but they may have only scratched the surface. --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

A big thank you to Legacy Marketing Group for inviting us to participate in your 2025 IMO conference! Great people, great conversations, great product updates, capped off by the official launch of the new EclipseMark annuity. We're proud to have been part of this event and celebrate our ongoing partnership.

Your existing clients already trust you. Now’s the time to revisit those relationships and uncover new business that strengthens retention, increases recurring revenue and adds long-term value to your practice. Start with a review of their current holdings, age and needs. Then schedule the next step, whether that’s a discussion about income, protection or legacy planning. Need help starting the conversation? Comment SERIES for our 3-part framework to guide the process. 👇 --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

The 2026 Advanced Markets Summit is officially set. 📅 May 20–23, 2026 📍 Jupiter Beach Resort This event is for experienced professionals that operate at a higher level and want to go even further. If you work in high-net-worth markets (or aspire to) this is where you’ll gain an edge: ✅ High-margin, limited-distribution strategies ✅ Tax-efficient income and legacy planning ✅ Real-world case studies and execution tactics ✅ Expert-led sessions with zero fluff You'll connect with top producers, industry experts and the Legend Financial team that supports your toughest cases. Seats are limited by design. Reserve early by reaching out to your Legend marketer or DM us directly. More details coming soon. --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

Liquidity is often the blind spot in retirement income planning, but it doesn’t have to be. Several annuity riders offer smart ways to preserve access without compromising guarantees. Here are 3 worth considering: 1️⃣ Return of Premium (ROP) Gives clients the ability to walk away and get their premium back, often after year one ∙ Great for clients worried about locking up their money ∙ Also reduces objections during the sales process 2️⃣ Enhanced Free Withdrawal Some carriers offer more flexible withdrawal provisions in years of unexpected need (nursing home, hospitalization, loss of income). ∙ Can give up to 20–30% liquidity in specific scenarios ∙ Helps address “what if” objections proactively 3️⃣ Confinement & Terminal Illness Not technically riders in all cases, but important tools ∙ Allow access to funds without surrender charges if health takes a turn ∙ Adds peace of mind without increasing cost For a breakdown of which carriers are doing this best right now, send us a DM. We’re happy to share what we’re seeing in the field. --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

Clients don’t just need predictable income. They need access for emergencies, opportunities or simply peace of mind. Many retirement strategies tie up too much money in vehicles that can’t be touched without penalty. That works on paper. And then life happens. ✅ Planning for income is expected. ✅ Planning for growth is appreciated. 🔒 Planning for liquidity is where great advisors separate themselves. Start asking: • What’s this client’s cash-access comfort zone? • How can we build in flexibility without sacrificing guarantees? • What solutions allow for both structure and control? ➡️ What strategies are you using to keep liquidity on the table without compromising long-term goals? --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

There’s a big difference between placing a basic 10-year FIA and designing a layered strategy that solves for taxes, income and liquidity. Legend Financial’s annuity team brings decades of experience to every case. We partner with our agents to design customized solutions to meet each client’s goals. And if you need us to jump on a call with a client to help explain a strategy and answer their questions, we do that, too. But don’t just take our word for it. Bring us your most challenging case and we’ll prove it. --- Legend Financial Marketing Services partners with EVERY insurance carrier, ensuring unbiased access to all products, while delivering specialized expertise and round-the-clock support. Who We Help • Financial Advisors • Insurance Agents • Wealth Managers • Broker Dealers • IMOs/FMOs Ready to grow your business? Send us a DM to learn about our customized case-design support. 📞 866.534.3639 📧 info@legendfms.com

Meet Kristen Veldhuis, our new commission specialist at Legend Financial. Kristen has a sharp eye for data and a passion for research. With a background spanning multiple industries, she adds depth to our team with her experience in financial management, market analysis, strategic planning and project management. Outside of work, she enjoys traveling with her family and give back to her community through her work with the Girl Scouts. Welcome, Kristen! We’re so glad you’re here!