Insurance products and annuities offered through licensed insurance professionals of Rose Retirement. Johnnie Lee Merkel Jr., TX Insurance License #943284.

The generalized information we provide regarding tax minimization planning is not intended to, and cannot, be used by anyone to avoid paying federal, state, or local municipalities, taxes, or penalties. You should seek advice based on your particular circumstances from an independent tax advisor as tax laws are subject to interpretation and legislative change and are unique to every specific taxpayer’s particular set of facts and circumstances.


Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company.


Please be advised that the services offered by Johnnie Lee Merkel: 


Are Not FDIC Insured 

Are Not Bank Guaranteed 

Are Not Securities 

Are Not Deposits 

Are Not Insured by Any Federal Government Agency 

Are Not a Condition to Any Banking Service or Activity