This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, tax or investment advice. By contacting our company, you may be offered information regarding insurance and fixed annuity products.

Rubino and Liang, LLC is not an affiliate or owned by any financial company. Rubino and Liang, LLC, Rich Rubino and Sam Liang do not provide investment or tax advice. Insurance products are sold through R+L Insurance Agency, LLC. Professionals from Rubino and Liang, LLC may transact business only in states where properly qualified and licensed. Sam Liang is licensed to conduct insurance business in: Massachusetts, Michigan, New Hampshire, Maine, Rhode Island, New York, Florida, Georgia, New Jersey, Washington, Nevada and Virginia. Richard Rubino is licensed to conduct insurance business in: Massachusetts, Maine, New Hampshire and New York. Richard Rubino is licensed to practice law in Massachusetts and New York. Sam Liang and Richard Rubino are not affiliated with RWA and are not investment advisors.

Rubino & Liang LLC is a risk management company and is not a law firm. Richard Rubino is affiliated with Rubino Law Group, LLC, a law firm. If legal services are necessary in order to implement an estate plan for a client, Rubino & Liang, LLC may refer a client to Rubino Law Group, LLC or to a law firm of an individual's choice. Information provided by Rubino & Liang, LLC by an individual does not enjoy the protections of the client-lawyer relationship.

Ryan Marston and John Conley are Investment Adviser Representatives of Retirement Wealth Advisors, Inc. (RWA). Investment Advisory Services offered through RWA, a Registered Investment Advisor. Rubino & Liang, LLC, Rich Rubino and Sam Liang and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.