Have you ever heard "I don't like annuities!" or "Annuities are too complex or have high fees"?  These comments usually refer to variable annuities.  I do not recommend or use any variable annuities.  
However, for over a decade I have helped my clients achieve their financial goals of safety, growth and income using a different and very specific type of annuity first introduced in 1995.
The Fixed Indexed Annuity

Which Line Do You Want?
*Past performance is not a guarantee of future results

Since childhood, you have heard the tale of the tortoise and the hare.  The lesson learned is slow and steady wins the race.  Fixed Indexed Annuities or "FIAs" by design will never experience loss to principal or negative index performance.  When generating income in retirement avoiding losses becomes even more important.  The #1 mistake retirees tend to make is continuing to draw income from an investment that is losing value due to market decline, or what we call reverse dollar cost averaging.  We can help you avoid this devastating mistake.   

FIA strategies can be combined with optional* lifetime income guarantees to create an income stream that is both predictable and possibly higher than other interest only generating tools.
* Most FIAs offer optional Lifetime Income Withdrawal Benefit Riders, fees typically range from 0.00% to 1.50%

What is the key to a successful retirement?Permanent Income!

When baby boomers were growing up, people said that "these kids don't know what they want." Today, baby boomers are becoming very clear about what they want in their financial plans: Guaranteed sustainable income, simplified plans that are easy to understand, reduced fees, low risk, and upside growth potential. They want to retire and stay retired. This generation told their parents to quit worrying so much and enjoy life a little. Now, it's their turn-- they want to stop worrying so much and stop watching the market chew up their money. They like things like hybrid cars, and we’re also finding that once they learn about NextGen annuities, they like them, too. They like the idea of combining the protection from loss and guarantees of fixed annuities with the potential for upside growth and higher paying income riders that NextGen annuities now offer.

The new generation of hybrid vehicles have the power to take to the freeway, but don't cost much to drive around town. Baby boomers are finding that the new generation of NextGen annuities get better mileage (more income), cost less to operate (no admin or management fees), and no breakdowns on the freeways (guaranteed against loss even in the worst market conditions). Variable annuities cost more, do not protect principal, and have reduced their income payouts so that they lag in that area. Their only claim to fame is the ability to take advantage of the market's upside. But when the upside is diluted and the downside is lurking, many are moving toward the sure and safe bet:  NextGen index annuities, also known as fixed index annuities.

Those that explore beyond the fear mongering found in the money magazines (woefully under-researched) learn that NextGen index annuities don't aim to hit the ball out of the park, they are content with singles and doubles. They also do not hit the owner with fees every year. When you read about the "fees in annuities", the author must be referring to variable annuities because variable annuities are the only kind of annuity which deduct fees from your account every year, come what may.. NextGen index annuities do not hit the owner for management, insurance, and investment fees (separate account fees) every year. With the NextGen, what you see is what you get when it comes to your net return, with no further fees deducted. This one key fact makes them very suitable for IRAs and 401k rollovers. With no additional fees, you can feel free to place your 401k or 403b into an IRA NextGen index annuity. In fact, this option is growing in popularity.

People like what annuities do, they just wish they were called by a different name, according to recent research among Baby Boomers, conducted by a major insurance company with the help of a large polling firm.

Asked to identify their preference between an investment vehicle that delivers four percent return on their money with a guarantee against losing value and a vehicle that delivers eight percent return but subjects their money to market risk, an overwhelming 80 percent of the 3,200 people surveyed expressed a preference for the safer investment vehicle. Almost like the famous blind taste tests on coffee or pepsi, participants in the research were surprised at how many benefits NextGen index annuities offered: safety, yield potential, ample liquidity, principal guarantees, and security of income.

There's no doubt that traditional investing methods worked in traditional times, but there is nothing traditional about the market cycles of today. If your goals are to preserve your money and your dreams, guarantee your retirement income, and maintain liquid access to your life savings, call me today at (806) 352-5688 for a complementary second opinion on your current plan. All inquiries are confidential.  


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