© 2026 Hale and Associates, LLC.
Hale and Associates Financial and Insurance Services, LLC — CA LIC #6013528
Wayne Miller and Associates, LLC. CA DBA Wayne Miller Insurance and Financial Services — CA LIC #6014459.
Wayne Miller, CA LIC #0G30788.
30211 Avenida De Las Banderas, Suite 200, Rancho Santa Margarita, CA 92688
PH. 949-943-5266 · PH. 317-677-7178 ·
info@haleandassociates.net ·
haleandassociates.net
FINRA BrokerCheck
This page is an advertisement. The information and figures on this page are for general educational
purposes only, are hypothetical and illustrative, and are not tax, legal, or investment advice, an offer,
or a recommendation of any specific product or strategy. Guarantees, where applicable, are backed by the
claims-paying ability of the issuing insurance carrier. Insurance and annuity products are not FDIC insured,
are not bank guaranteed, and may lose value where market-linked. Individual results vary. Any figures shown
are rounded and based on general assumptions, not any individual's actual circumstances.
Any consultation is general education based on the information you share — not a recommendation, a suitability
determination, an evaluation of any specific contract, or an application. There is no cost to you and
nothing to sign. If you later purchase a product, the issuing insurance company compensates the agent,
and that compensation is reflected in the product's pricing.
A review may not result in any change, and a change may not be appropriate. Replacing an existing
annuity can involve surrender charges, loss of benefits or riders, a new surrender period, and possible
tax consequences. Rates, caps, participation rates and bonuses vary by product and by state, are subject
to change, and are not guaranteed to be higher than those in an existing contract; bonuses may be subject
to vesting schedules and recapture. Products and availability vary by state; business is transacted only
where properly licensed.
Hale and Associates does not warrant anything on this website, although we hope everything is accurate.
We do not provide tax, legal, accounting, or investment advice. We are not responsible for any independent
decisions made from information found on this website or links provided to external websites. You need to
conduct your own research and consult with a representative of Hale and Associates or your own financial
professional about your personal situation before making any financial decisions.
Investment advisory services are offered through RLB Financial, a registered investment adviser with the
Securities and Exchange Commission (SEC). Insurance products and services are offered through individually
licensed and appointed insurance agents — California insurance number 0G30788.
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