822 Montgomery Ave., Suite 300
Narberth, PA 19072
800-562-7529 (800-56-ARJAY)
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Kestra Financial

We are committed to helping you reach your financial goals. By operating beside Kestra Financial, we obtain quick access to a wide range of high quality products and cutting edge technology that will help us provide you with the financial services you need.

Because Kestra Financial supports independent financial professionals in an environment free of the pressures of having to offer proprietary products, we have the freedom to choose investment vehicles that can help meet your unique financial goals.

When we recommend an investment option to you, we do so in the context of all your planning and product decisions. And, because Kestra Financal provides innovative tools to help us link your planning data to our sophisticated financial planning, investment and wealth management resources, we can give you more personalized advice.

Although we operate independently we have access to Kestra's nationwide network of firms - firms that are specialists in estate planning, investments, wealth transfer and other advanced areas of financial planning. Here are some of the investment solutions that we can bring to you through our association with Kestra.

  • Advisory Services
  • Alternative Investments
  • Banking Services
  • Education Savings Plans
  • Fixed Products
  • Mutual Funds
  • Industry-Leading Research
  • Retirement Services
  • Trust Services
  • Variable Annuities
  • Variable Life Insurance

Alternative Investments are often speculative, lack liquidity, lack diversification, are not subject to the same regulatory requirements as securities and mutual funds, may involve complex tax structures and delays in distributing important tax information, and may involve substantial fees. These products often execute trades on non-U.S. exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in U.S. markets. These investments may not be appropriate for all investors.

Mutual funds are sold by prospectus only. For more information including expenses and charges, please read the prospectuses. Please carefully consider the investment objectives, risks, charges and expenses before investing or sending money as these factors will affect returns. The prospectus contains this and other information about the investment.

Past performance does not guarantee future results. Investment return will fluctuate so that an investor’s shares when redeemed may be worth more or less than the original cost. Current performance may be lower or higher than the performance data. For performance data current to the most recent month end contact the fund company or your Financial Representative.

Variable Annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be read and considered carefully before investing. Please contact your Financial Representative or the issuing Insurance Company to request a prospectus. Annuities are long-term investment vehicles designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawal may be subject to withdrawal charges. Partial withdrawals may also reduce benefits available under the contract as well as the amount available upon a full surrender.

Variable life insurance products, which are subject to market risk including possible loss of principal, allow the contract holder to choose an appropriate amount of life insurance protection that has an additional cost associated with it. Care should be taken to ensure these strategies and products are suitable for your long-term life insurance needs. You should weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing. Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy. Variable life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

The sub-accounts in variable insurance products fluctuate with market conditions and when surrendered the principal may be worth more or less than the original amount invested.

All guarantees are subject to the claims-paying ability of the issuing insurance company. Guarantees and do not apply to the investment performance of any variable accounts, which are subject to market risk.

Kestra Financial, Inc. is the parent company of Kestra Investment Services, LLC member FINRA/SIPC and of Kestra Advisory Services, LLC.