text:  The following program has been pre-recorded for broadcast at this time. Retire Smart Maryland Radio is brought to you by Elite Income Advisors. Annuity guarantees are subject to the claims paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain period of time after investing, the insurance company may assess this under charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions.