INSURE YOUR MONEY AND RETIREMENT
Did you forget to insure your money? I know most of you have insured your homes, cars, health, lives and more.  There is so much to learn about annuities and how they protect your savings and retirement income.  As a rule one should have at least 25 per cent of their investable assets in an annuity.  Guarantee at least some of your future income needs with a highly rated insurance company.  Your State stands behind the insurance company  and insurance companies reinsure eachother against default.   The invested money is put into sub-account funds. The growth within the funds are tax deferred and you can take advantage of annual ratchets ( the higher of the accou

PROTECT FINANCIAL FUTURES, PROTECT YOURSELVES
I have done it for my sons and now for many young professionals and even for children 3 years age. For your children, grandchildren, or young professionals a way to save compounded tax free interest and build future wealth that you take back as tax free income. 65 investment choices including money market and fixed income. Change allocation yourself anytime without charges. A very flexible plan. State insured.  With the coming of high taxes, high inflation, a devalued US$, and employer matches on 401k diminishing we can replace or supplement their future. Everyone should give it immediate thought and protect financial futures.

FINANCIAL PLANNING OR A BROKER!
Today more than ever clients require enhanced financial protection and assurance.  We are not “brokers” or “asset gathers’ as some wire house companies like to call their own. Financial/Investment advisors take on an entirely different roll in building and securing the financial security of others.  If there is a “pitch” it’s for the planning approach which considers a prospects comfort level, investment style, risk tolerances, time horizon and goals. It is a process that begins with relationship building and securing confidence and foundation for a long term business relationship insuring clients can retire and pass wealth on ta

IT’S YOUR PENSION AND YOU CONTROL IT
Both Ben Bernanke and Alan Greenspan have at least half their money in variable annuities. As mentioned in an earlier post, the governments of Germany and the United Kingdom require by law the use of deferred annuities to protect their citizens from running out of money. Clearly, there is a disconnect in this country between consumers and those planning (or, those that should be planning) for a secure retirement. Perhaps the problem is that they—those that are inching closer to retirement—do not spend the time to read about investments that protect their retirement, and schedule meetings with advisors who specialize in investments of this sort.

NEW NORMAL
Lately all I read and hear about is the “new normal.” It’s a good idea to begin the process of educating all Americans about what economic future lies ahead. Before we look ahead, let’s take a look back and see how we got here. America was built on the principals of a less intrusive government and free economic system. There was a time when America borrowed money and invested it in factories and infrastructure. Over time, these capital improvements led to American factories producing high quality goods at low prices. By the 1980s, we—Americans—were the world’s largest creditor nation and more foreign assets owned were owned by Americans than all the other