Financial Products We Recommend

OUR RECOMMENDATIONS

The Power of a Tax-Deferred Annuity

All annuities grow Tax Deferred. This mean you are not taxed until you take a distribution.

Guaranteed Fixed Index Annuity (My Favorite)

1. Principal GUARANTEE!
2. Gains Are LOCKED Yearly!
3. NEVER Participate In Loss!
4. No Sales Charges, No Commissions, No Servicing Charges
5. 100% of your principle at work for you.
6. You can get your money when you need it
7. Nursing Home Benefit allows you to draw up to 100% of your annuity’s account value.
8. Terminal Illness Benefit allows you to draw up to 100% 0f your annuity’s account value.
9. Home Health Benefit. Some companies allow you to withdraw 100% of your account value if you need home health services.
10. INCOME OPTIONS
11. PROBATE AVOIDANCE
12. LIQUIDITY features
    • Your Banker can not offer this to you
    • Your Stock Broker won’t offer this to you because he/she can not charge you any fees.

Multi-Year Guarantee Annuity

This is the product we recommend to clients that are invested in Certificates of Deposit. On CDs, every year you receive a 1099 from the financial institution for accumulated interest that you NEVER received. Example: You have a $100,000 CD, paying 2% interest, earns $2,000 in interest, and you get a 1099 for $2,000 on money you never received or used. If you are in a 20% tax bracket, then you are only earning 1.6%. Typically, MYGAs pay a lot higher interest rates than Certificates of Deposit.

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Worried About Outliving Your Money?

INCOME ANNUITIY AND/OR AN INCOME RIDER THAT CAN BE INCLUDED IN YOUR FIXED INDEX ANNUITY.

Your choice depends on which one accomplishes your goals. The Income Annuity focuses on income accumulation as a priority.

Adding an income rider to the Fixed Index annuity adds another feature to the policy. The investment account is separate from the income account and the growth is separate. Typically, the income account grows much faster than the asset account as it is used for income purposes only. When you die, your beneficiary would receive the funds in the asset account and not the income.

LIFE INSURANCE

• Whole Life Policies
• Term Life Policies
• Variable Life Policies
• Final Expense Policies

Every individual situation is unique. The life insurance policy has to be tailored to the client’s specific needs and most importantly, accomplish all of their goals and objectives.