Important Disclosure: Hafnia Financial, Inc. is a California registered investment adviser located in San Diego, California. Registration does not imply a certain level of skill or training. Hafnia Financial, Inc. only transacts business in states where it is properly registered or exempt from registration. This website is for general informational purposes only and does not constitute personalized investment, legal, or tax advice, or an offer to sell or a solicitation of an offer to buy any securities or insurance product in any jurisdiction where such offer, solicitation, purchase, or sale would be unlawful. Insurance products, including fixed indexed annuities, are offered separately through Jan Gleisner in his separate capacity as a licensed insurance agent (CA Lic. #0D77385; AL 3004063397; AZ #7458868; MI #1344582; MO #413192; NC #7458868; NV # 984996; OR #7458868; VA #1481204), and are not offered through Hafnia Financial, Inc. Fixed indexed annuities are not securities and are not insured by the FDIC or any federal government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Form ADV Part 2A is available upon request and through the Investment Adviser Public Disclosure website.”