The three most important components of a successful retirement plan are:

Taking risks may have seemed easier when you were still working. However, as retirement approaches (or arrives), things may change. If you have the patience, you can deal with stock market fluctuations. However, as you age, you lose the benefit of time. You’ll need that money very soon. If you lose it because of a market drop after your retirement, you won’t have time to recover the loss. This is why we believe your retirement plan should prioritize safety. We recommend that it be your top priority. Safety comes first, followed only then by potential growth.

Fixed indexed annuities (FIAs) guarantee* lifetime income while protecting your principal and interest. For this reason, you may want to consider utilizing an an FIA in retirement. 

Do you have to choose between protecting your money and earning a reasonable return?**Fortunately, you don’t. You may receive both of these benefits. We believe a reasonable rate of return** should be your next priority after safety. It is critical to earn enough interest on your retirement savings over time to avoid running out of money and possibly having to go back to work in retirement. Certain annuity or life insurance products may be able to protect your principal while also providing a reasonable return.**

Retirement planning can be complex. But they don’t have to be. Your retirement plan should protect your money, provide a reasonable return,** and be easy to understand. You may be able to get all of these benefits from a single product. You deserve options that give you confidence, rather than spending your retirement monitoring your accounts and worrying about your investments. One option is to purchase a fixed indexed annuity (FIA).

Instead of having to choose, strive for all three of these principles. Contact us for more information on annuities and other options that may be beneficial to you. You can attend one of our educational seminars or meet with us one-on-one to discuss your needs.