Invest with Confidence

#1  NO CHANCE OF LOSS

you could not lose your principle to stock market dips, or crashes.

#2. INFLATION PROTECTION

It could be inflation, proof, and that the account value could actually go up.

#3. THE INCOME COULD BE TAX FREE

for younger planners, you may be able to receive your income tax, free, by strategically using an IRS code. 

#4. YOU COULD TURN THE INCOME ON WHENEVER YOU WANT AND HAVE IT  GUARANTEED FOR THE REST OF YOUR LIFE, WITH THE POTENTIAL THAT IT COULD INCREASE AND GIVE YOU RAISES DURING YOUR RETIREMENT.

#5. YOUR INCOME WOULD CONTINUE EVEN IF YOUR ACCOUNT BALANCE GOES TO ZERO. 

#6. IT WOULD PAY YOU FOR THE REST OF YOUR LIFE SO YOU CAN ACTUALLY COUNT ON IT. 

WOULD A GUARANTEED RETIREMENT MAKE IT MORE ENJOYABLE?

Are you afraid you may run out of money during your retirement?

📲Call and find out how to guarantee that you won't ever run out of Money. 

When I first started representing the indexing strategy, I remember people I spoke to often had similar concerns.

They were centered around the idea that an annuity has guarantees. Some people feel that the word guarantee leads to the statement -too good to be true.

I got the feeling that many people thought they might be venturing into a new area, that because they've never heard of the indexing strategy, that I specialize in, that they might be some of the first investors and maybe it was untried. 

So, I’d like to go over a little history. I thought folks would feel more comfortable if they had more background on these investments. 

Annuities actually began in ancient Rome over 2000 years ago. They were called Annua which just meant annual stipend. 

You would give a lump sum payment to someone, and in exchange you'd get fixed yearly payments, either for your life or a specific period of time. 

A Roman jurist named Julianus Who lived from 170 to 228 A.D. created one of the first life expectancy tables used to calculate the annuity payments.

In the middle ages annuities were used to fund wars. 

In the 18th century, European governments used annuities to guarantee lifetime income and to fund public projects.

In the United States they go back to 1759, when annuities were used to benefit Presbyterian ministers. If I remember my schooling right the early Presbyterians were very conservative people.

So, when our country was founded annuities were an easily used and easily understood way to save for a guaranteed retirement income. 

In those early days, there were more risks than there are today. Someone may choose to have payments only on their life and pass away early. Some people may choose to have payments only for 10 or 15 years and live 25 more. And if you were dealing with a private individual, they may invest your money poorly and not be able to pay you as agreed.

Those days are long gone -your heirs in an indexing product are always guaranteed the beginning account value minus any withdrawals you have taken plus any investment credits. So if you haven't taken any out they're guaranteed to receive everything you put in.

The indexing strategies that we use today began much more simply in Canada in 1995 in response to the 1994 Bond market crash. They were designed to provide principal protection with the potential for market type returns by linking them to equity indexes. So your money was never in the open market, it was tied to indexes. 

Today, when you give your money to an insurance company they use it to buy a bond and they keep that bond in an account in your name, your money never goes into the market. 

But bonds, just like CDs and savings accounts pay interest. It is the interest from your bond and a million other people's bonds that they use to invest. And to maximize their leverage they invest in the options market. I won't go into that, it's too complicated- but they are obviously very successful or these products would not be Owned by tens of millions of people.

And if you're worried about insurance companies. You shouldn't be. They're the ones that have managed the countries pension funds for decades and decades. Prudential manages General Motors and Verizon’s pensions. MetLife manages FedEx and IBM’s. New York life doesn't disclose but they manage almost $800 billion in corporate pensions. My personal pensions when I was in the corporate world were managed by Prudential and John Hancock insurance. 

It should be everybody's goal to do business with an insurance company for their retirement, because that's where all the guarantees and leverage and safety come from, that give you the peace of mind you're looking for in retirement . After all, as I said, they've been managing the pensions of this country’s working people for over 100 years. 

Here's a great example of how index annuities and their guarantees work. 

There is a product that if you put $100,000 in and wait to turn on the income, they will give you a 7.2% annual increase in your guaranteed income. This means that your income will double in 10 years. 

It’s the rule of 72. If you get a 7.2% interest and amount will double in 10 years. Likewise if you get a 10% return an amount will double in 7.2 years. 

If you’re very conservative, or you’re saving for a target amount of money, like college. There are guaranteed annuities that for a period of 5 to 7 years will guarantee you 5 to 7% interest so your principal can grow absolutely guaranteed. 

The indexing strategy is the tool that people are using today to build and maintain legacies. This is the tool that guarantees they will always be wealthy. It looks to us like they're spending money like crazy people, but they keep getting richer. 

Because they never lose anything.

It's the number one rule of investing. 

DON'T lose money. 

I hope that helps people understand how fantastic these investments are and why so many millions of people are already using them to guarantee their retirement.

Please give me a call, I love to talk to you guys and I'm happy to answer any of your questions