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Retirement Solutions
Are you prepared? Annuities and life insurance can provide a benefit to your loved ones when you pass, but they can also be a financial asset during your life.
Our main strategy is to provide you with protection.
your retirement money from the volatility in the market.
your assets from unnecessary taxes.
yourself from running out of income during your retirement years.
Tax-Free Retirement Income
Properly structured, maximum-funded Indexed Universal Life Insurance policies generate tax-free cash value that can be used as your retirement income.
Guaranteed Income for Life
With Americans living longer and spending more time in retirement, many retirees are concerned about outliving their savings. In turn, they are searching for a product that can help ensure a steady income stream.
Fixed indexed annuities (FIAs) are designed with guaranteed lifetime income so you can never outlive your earnings.
Money Growth & Protection Strategies
Many Americans are only familiar with the traditional types of retirement accounts like 401(k)s, traditional IRAs and Roth IRAs. The issue is that they are subject to market volatility and lack principal safety.
Indexing can give you the ability to protect your principal against loss and grow your nest egg competitively. Indexing insulates you from market bubbles. It gives your money a safe harbor where market volatility can’t sink your retirement savings.
Why should you consider indexing?
Protection
Your principal is protected, and any gains from a previous period are locked in and protected against loss, even if the index you are tied to loses in future segments. Each and every year this resets, so gains are added to the principal and never lost due to market performance.
Linked to the market
Your money is linked to the market so that when the stock market performs well, you participate in the market gains. At the same time, if the market loses, your money is protected with a guaranteed floor.
Indexing credit
Your cash value will receive an indexing credit, based on the market or index that you select. When that market grows during a segment, which is commonly 12 months, your cash value will be credited with interest.
Guarantee
If the market you are tied to experiences large losses, like many did in 2003 and 2008, your cash value won’t decrease due to market performance. With a guaranteed 0% floor, your money is not in the market. It’s linked to the market, so your principal is safe and secure.
Two options for indexing
Indexed Universal Life Policy
A properly structured and maximum-funded IUL can minimize taxes and grow your money in a tax-advantaged environment that can also have tax-free at-retirement benefits.
Fixed Indexed Annuity
A fixed indexed annuity is a product that provides indexing that can guarantee payments so that you never run out of money.