Frequently Asked Questions

Here we've compiled our most frequently asked questions

Fixed Indexed Annuities which are also referred to as FIA's are long term tax-deferred structured investment products offered by insurance companies. Account values are protected against market risk and losses, but FIA's have the opportunity to earn a market linked return for investors that is based on the performance of an underlying index. Fixed Index Annuities may also have lifetime income features as well for investors that are concerned with mitigating longevity risk. Learn more about Annuities here.

Investing in your 60's as you approach retirement requires a mindset shift. We believe it is important to get help from experts that specialize in working with aspiring and current retirees. For example, an investor that is approaching retirement may not be able to tolerate as much risk as an investor in their 20's or 30's. As time goes on, you want to make sure that you protect what you have saved while still positioning yourself for the growth you will need to make sure your portfolio lasts through your golden years. Click here to learn more about how we help people get ready for retirement.

We believe that sound investment advice remains the same regardless of "class" or net worth. Live within your means, set realistic goals, and make sure you save and invest over an extended period of time to let the power of compound interest go to work for you. Everybody should make sure to implement tax planning strategies while managing risk as well. A trained financial professional can help you understand the right approach for you.

Bonds have historically been an important part of a diversified portfolio. Bonds typically offer a lower risk and lower return for investors compared to stocks. However, bonds are still a risk investment. As bonds can and often do lose money. We believe that in a low interest rate environment, fixed indexed annuities offer a better risk vs. return profile than bonds and do so with no annual fees.

Prospectuses are disclosure documents for securities and an index annuity is not a security. Index annuities are a type of guaranteed insurance contract. Unlike stocks and bonds they are not securities. Index annuities come with policy documents much like other types of insurance products. All the terms are stated upfront and in writing on the contract. Annuity buyers have what is called a free look period. During this time you can look at your contract to make sure you are comfortable with the terms. Cancellation without penalty is allowed during the free look period. Investors have full access to disclosures and the ability to use the free look period to their advantage if they are not satisfied with the contract.

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