Annuities/Rollovers
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Protect the money in your TSP, IRA, SEP, 401k or 403b from investment losses.
If your retirement savings account (IRA, 410k or 403b) is currently invested in mutual funds, and you are at all concerned with the potential for market losses, watch this short video to learn how you can protect the retirement money from any investment losses.
In this video, you will learn:
- Why and when you should consider an IRA rollover
- How to avoid taxation or penalties on a rollover
- How you can protect your IRA money from investment losses
- How to convert your IRA into a guaranteed lifetime income (like a pension plan)
- The benefits of transferring 401k or 403b assets into IRA assets
You don’t have to figure it out alone. We’ll help you. Schedule a consultation today.
Top 10 Reasons To Purchase an Indexed Annuity:
10. I trust insurance carriers more than I trust banks.
- From March 2008 to Present, 465 Banks in the US failed.(1)
- From March 2008 to Present, 0 Insurance carriers failed (3 entered receivership)
9. I want the money to go to my family if I die.
- Indexed annuities pay the full accumulation value upon death of the annuitant.
- Properly designated beneficiaries ensure that annuities will not have to go through probate.
8. I want the benefits of triple compounding.
- Earning interest on my contributions, earning interest on my interest, earning interest on the money that I would have paid in taxes. (2)
7. I want access to my money.
- After the first policy year, you may withdraw up to 10% of your accumulation value without application of withdrawal charges.(3)
- Annuitization without a life payout.
- No penalties from insurance carrier in the event of nursing home confinement or terminal illness. (In approved States, subject to rider limitations.)
6. I want an income stream, regardless of how long I live.
- Lifetime Income Riders offer protection against outliving savings.
5. I need to supplement my Social Security payments.
- Currently, Social Security benefits are only intended to provide for 40% of retirement income — future benefits will likely provide for less.(4)
4. The power of the annual reset.
- Interest locked into accumulation value annually.
- Provide opportunity when the index is up and protection when the index is down.
- Zero is my Hero — an indexed annuity with annual interest may earn 0% interest in a year, but never a negative amount. Because of the annual reset, the index does not have to make-up value from a down year. The index’s year-end value becomes the year-start value.
3. Time my annual issue dates.
- Market timing is not necessary on indexed annuities
2. I want the ability to outpace other fixed money products.
- Indexed annuity rates have the potential to be considerably higher than secure/conservative investment options like Savings bonds, Savings account, Certificates of Deposit (CDs), and Checking accounts.
1. I am risk averse
- I am looking to save money for retirement.
- I am not comfortable losing money.
- Annuities offer guaranteed (5) safety of principal and guaranteed minimum return.
1 Source—FDIC Failed Bank List 2 Taxes are paid at the time of withdrawal 3 Subject to IRS qualified plan guidelines. Withdrawals prior to age 59 ½ may be subject to IRS 10% early distribution penalty. 4 Source—Social Security Bulletin, Vol. 65, No. 3 5 Guarantees are based on the claims-paying ability of the issuing companies.