Understanding Social Security and Medicare: America’s Retirement Safety Net

Sandra Lawter-O'Toole is licensed in Delaware and Maryland to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in Delaware and Maryland and advisor registered in Delaware and Maryland.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: Sandra Lawter-O'Toole may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if she is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by Sandy that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution she represents, contact your state securities law administrator.

Insurance products from the Principal Financial Group® are issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc. Securities offered through Principal Securities, Inc., 800/247-1737, member SIPC. Principal National, Principal Life, the Preferred Product Network and Principal Securities are members of the Principal Financial Group, Des Moines, IA 50392. Sandra Lawter-O'Toole, Principal National and Principal Life Financial Representative, Principal Securities Registered Representative, Financial Advisor.

Lawter-O'Toole Wealth Management, LLC is not an affiliate of any company of the Principal Financial Group.

Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161.