Recession-Proof Your Retirement: The Truth About Fixed Indexed Annuities (FIAs)
Backed by Data, Built for Safety
✅ Fact-Checked Benefits of FIAs
1. Principal Protection:
o Guaranteed by Contract: Even if the market crashes 30%, your initial investment is safe.
o 2008 Stress Test: FIAs shielded savings during the Great Recession—while stocks fell 37%, FIA holders lost $0.
2. Market-Linked Growth:
o Capped Gains, Zero Losses: Earn a % of index gains (e.g., S&P 500®) up to a cap (often 4-7%), but never lose money.
o Annual Reset: Lock in gains yearly—no givebacks.
3. Lifetime Income:
o Guaranteed Paychecks: Activate a rider to get income for life.
o Example: A 500kFIA could pay 2,300/month at 65 (varies by age/rates).
Case Study: Jane’s 2008 Survival Guide
· Pre-Crash: Moved $300k to an FIA.
· 2008: Stocks dropped 37%; her FIA earned 0% but kept her $300k intact.
· Post-Crash: By 2012, her FIA locked in 7-9% gains/year.
· Today: She collects $1,800/month for life, stress-free.
Should YOU Consider an FIA?
YES if you:
· Are within 10 years of retirement.
· Want to sleep through market chaos.
· Need predictable income.
NO if you:
· Seek unlimited growth.
Three Steps to Get Started
1. Audit Your Portfolio: How much can you safely allocate? (Tip: 20%-40% is common.)
2. Compare Insurers: Only consider companies with A.M. Best “A” ratings.
Our Client’s Story - Claire’s Blueprint: Honoring Heritage, Securing Generations
At 58, Claire stood at the crossroads of two worlds. A respected member of her Native community and a leader in Silicon Valley, she embodied balance:
- 🌟 $120k+/year income as a tech professional.
- 🌿 A $2.5M home in San Jose, where she hosted intergenerational gatherings.
- 🌱 $400k in stocks and $750k in her 401(k), resources she hoped to steward wisely for her children and family.
When her cousin faced $12k/month long-term care costs, Claire’s fears crystallized: “How do I protect my family’s future and honor our traditions?”
Here’s how she wove resilience into her legacy - in two steps:
STEP 1: Protecting the Circle with Asset-Based Long-Term Care
🔸 Challenge: She couldn’t touch her 401(k) until 59½, but her stock portfolio held answers.
🔸 Solution: She reclaimed $200k from stocks to fund an Asset-Based LTC Plan:
- $12k Care Fund per month: This will pay out as long as she needs care the rest of her life, ensuring she can age with dignity without burdening her family.
- Sacred Legacy: If care isn’t needed, the original $200k returns to her heirs “tax-free”, preserving her role as a steward for the next generation.
Home as Sanctuary: She shielded her land and home from liens, honoring her ancestors’ connection to place.
Claire’s reflection: “This plan isn’t just for me—it’s for my grandchildren and the elders who came before us.”
STEP 2: Lifelong Stewardship with a Fixed Indexed Annuity
🔸 Challenge: Her 401(k) needed to support her and her community.
🔸 Solution: At 59½, she rolled $600k into a Fixed Index Annuity product with a Double Confinement Rider:
- Growth in Harmony: Earned interest tied to market-linked growth - with interest credited based on trusted indices while safeguarding principal - like planting seeds without fear of storms.
Strength in Need: If she couldn’t perform 2/6 daily tasks ( eating, dressing, transferring, etc.), her income doubled, ensuring her wisdom could still guide her family.
- Endless Giving: At 60 or more, lifelong income began, funding for her lifestyle.
Claire’s words: “This ensures I walk in balance - caring for myself, and my family.
The Circle Complete: A Legacy Unbroken
✅ Today: Her care fund stands guard, a modern-day “medicine bundle” for her health.
✅ At 60+: Income flows like a river, nourishing her family’s dreams.
✅ Always: Her home remains sacred ground. The ALTC funds will be returned to her heir if care isn't needed.
Why This Speaks to All Cultures
Claire’s story transcends borders. Whether you’re rooted in ancestral traditions or building a new legacy, her blueprint teaches:
1. Honor Your Roots: Protect what your ancestors gifted you.
2. Grow with Courage: Let your resources thrive without risk.
3. Give Forward: Ensure your wealth uplifts those who follow.
Claire’s journey reminds us: True wealth is measured not in dollars, but in generations. 🌍✨
Secure Your Financial Future with Fixed Indexed Annuities (FIAs)
🌐 Growth Potential Meets Unwavering Protection 🌐
Tired of market volatility jeopardizing your savings? Fixed Indexed Annuities (FIAs) offer a smarter way to grow wealth and safeguard against life’s uncertainties. Here’s why FIAs—especially double payout feature—stand out:
Why Choose FIAs?
✅ Principal Protection: Shield your savings from market losses—your principal stays intact even in downturns.
✅ Market-Linked Growth: Earn interest tied to indices like the S&P 500® without direct market risk.
✅ Tax-Deferred Growth: Keep more money working for you—pay taxes only when you withdraw.
✅ Lifetime Income: Add a rider to guarantee income for life.
✅ Critical Health Event Support: offer double payouts if a qualifying health crisis occurs (e.g., heart attack, cancer).
Why FIAs (Especially F&G) Stand Out
1️⃣ Safety + Growth: Sleep soundly with principal protection and market-linked gains.
2️⃣ Double Payout Advantage: F&G’s unique 2x payout during critical health events provides financial relief when you need it most.
3️⃣ Flexibility: Choose how your interest is credited (e.g., annual point-to-point).
4️⃣ Retirement-Ready: Convert your annuity into a lifelong paycheck.
Who Should Consider an FIA?
Investors nearing retirement who want capital preservation and growth.
Risk-averse individuals seeking stability amid market chaos.
Anyone wanting tax-efficient growth with downside protection.
Families prioritizing health crisis preparedness (thanks 2x payout).
The World Signal.
The convergence of recent global events—including the resignation of Canada’s Prime Minister, economic instability in the European Union (EU), challenges within China’s banking sector, ongoing geopolitical conflicts, and escalating U.S. debt levels—presents a complex landscape with significant implications for the global economy
1. Canada’s Political Transition and Economic Outlook
Prime Minister Justin Trudeau’s resignation has introduced a period of political uncertainty in Canada. This leadership vacuum coincides with external economic pressures, notably the U.S. President-elect’s proposal of a 25% tariff on Canadian imports. Such tariffs could adversely affect Canada’s GDP, potentially pushing the economy into recession. The Canadian dollar has experienced volatility, reflecting investor concerns over the nation’s economic direction.
2. European Union’s Economic Instability
The EU is grappling with sluggish economic growth, high debt levels, and the looming threat of U.S. tariffs on European imports. The European Central Bank has warned that these factors could reignite concerns over sovereign debt sustainability, particularly in nations with elevated debt levels. The potential imposition of U.S. tariffs further exacerbates these challenges, posing a substantial risk to European industries reliant on exports.
3. Challenges in China’s Banking Sector
China’s banking sector is facing significant challenges, including rising defaults and a slowing economy. The state-owned nature of many Chinese banks means that these issues could extend beyond the banking sector, affecting the broader economy, which is already experiencing its slowest rate of expansion in decades. Given China’s substantial role in global manufacturing and trade, these domestic challenges could have far-reaching implications for international supply chains and economic stability.
4. Geopolitical Conflicts and Global Economic Impact
Ongoing geopolitical conflicts, such as those in Ukraine and the Middle East, continue to disrupt global economic stability. These conflicts contribute to supply chain disruptions, energy market volatility, and heightened geopolitical risk, all of which can adversely affect global trade and economic growth. The International Monetary Fund has noted that such conflicts add to the series of supply shocks that have struck the global economy in recent years.
5. Rising U.S. Debt Levels
The United States is experiencing increasing debt levels, which pose potential risks to its economic stability. High debt levels can lead to increased borrowing costs, reduced fiscal flexibility, and potential challenges in funding government obligations. Additionally, rising debt may impact investor confidence and could have implications for the global economy, given the central role of the U.S. in international financial markets.
Conclusion
The interplay of these factors creates a multifaceted and uncertain global economic environment. Political transitions, economic instabilities, and geopolitical tensions are interlinked, with developments in one region potentially triggering repercussions worldwide. Stakeholders, including policymakers, investors, and businesses, must navigate this complex landscape with caution, emphasizing the need for robust risk assessment and adaptive strategies to mitigate potential adverse outcomes.
The Role of Fixed Indexed Annuities (FIAs) in Retirement
Fixed Indexed Annuities (FIAs) play a pivotal role in retirement planning, providing a unique combination of growth potential, principal protection, and guaranteed income. Here’s how they contribute to a secure and stable retirement:
1. Growth Without Market Risk
• FIAs offer interest linked to market indices (e.g., S&P 500®), allowing for participation in market gains without exposure to losses during downturns.
• This ensures consistent growth over time while safeguarding your principal.
2. Guaranteed Lifetime Income
• Many FIAs include lifetime income riders, ensuring a steady income stream regardless of how long you live.
• This feature addresses the risk of outliving your savings—a major concern for retirees.
3. Tax-Deferred Growth
• Earnings in FIAs grow tax-deferred, enabling your retirement savings to compound more effectively over time.
• Taxes are paid only upon withdrawal, allowing for greater control over taxable income.
4. Flexibility for Health Challenges
• Some FIAs, such as the Accelerator Plus, offer additional benefits like the Double Confinement Benefit, which doubles your income if you face qualifying health conditions requiring long-term care.
5. Stability Amid Market Volatility
• FIAs act as a conservative anchor in a diversified portfolio, reducing overall risk while providing stable returns.
Why FIAs Are Critical in Retirement Planning
• Market Uncertainty: In times of economic volatility, FIAs provide peace of mind with principal protection.
• Rising Longevity: With people living longer, guaranteed income from FIAs ensures retirees don’t run out of money.
• Health Costs: FIAs with long-term care or confinement benefits address rising healthcare expenses, making them invaluable for older adults.
Strong Products in the Current Market
1. Accelerator Plus Fixed Indexed Annuity
• Offers market-linked growth with principal protection.
• Features a Double Confinement Benefit for qualifying health challenges.
• Includes tax-deferred growth and options for lifetime income.
2. Power Accumulator Fixed Indexed Annuity
• Designed for tax-deferred accumulation.
• Provides growth tied to major indices without market risk.
• Ideal for those looking to build a strong retirement base with flexibility.
3. Products with Innovative Index Options
• Look for FIAs tied to diversified indices such as ETFs or multi-asset strategies, offering balanced growth potential and stability.
How to Choose the Right FIA
• Assess your financial goals: Growth, income, or healthcare needs.
• Evaluate product features like income riders, rate caps, or participation rates.
• Consult with a financial speacialist to ensure the product aligns with your retirement strategy.
Conclusion
FIAs are a cornerstone of retirement planning, offering a secure foundation for growth, protection, and income. With strong products like the Accelerator Plus and Power Accumulator, you can safeguard your savings, guarantee income, and prepare for life’s uncertainties. In an unpredictable market, FIAs provide the stability and confidence every retiree needs.
Is the U.S. Market Bubble About to Burst? Safeguard Your Savings with Strategic Financial Tools
The U.S. stock market, long the dominant force in global investing, is increasingly being called “the mother of all bubbles.” With markets reaching extreme valuations and overconfidence running high, many experts warn that the current rally may be on borrowed time. Here’s what’s driving these concerns—and how you can protect your financial future.
Key Concerns About the Market Bubble
1. Overconfidence in U.S. Superiority:
Wall Street analysts predict that U.S. stocks will continue outperforming in 2025. This overwhelming belief in “American exceptionalism” has fueled unsustainably high valuations, a hallmark of late-stage bubbles.
2. Concentrated Growth:
Much of the recent growth in corporate earnings comes from a handful of tech giants and record-breaking government spending. These factors create an illusion of broad economic strength but are unlikely to sustain long-term growth.
3. Rising Debt Dependence:
The U.S. economy now requires $2 of new government debt to generate just $1 of GDP growth, a 50% increase from five years ago. As deficits climb, investors may demand higher interest rates, undermining corporate profits and economic growth.
4. Historical Patterns of Market Decline:
Late-stage bubbles often feature parabolic price increases and extreme optimism. The U.S. market’s current trajectory mirrors previous manias, such as the commodities boom of 2011 and the China property bubble of 2021—both of which ended abruptly.
Protecting Your Wealth: A Smarter Approach
In the face of market uncertainty, diversifying your portfolio with safer, more predictable financial tools is essential. Fixed Indexed Annuities (FIAs) offer a powerful way to protect and grow your savings, even during volatile times.
• Market-Linked Growth Without Risk: FIAs like Power Accelerator and Power Accumulator provide interest linked to major indices, such as the S&P 500®, without exposing your principal to market losses. This means you can enjoy growth when markets rise while staying protected in downturns.
• Tax-Deferred Savings: FIAs allow your money to grow tax-deferred, maximizing compounding over time and enhancing your retirement savings.
• Lifetime Income Options: With lifetime income riders, FIAs ensure a predictable income stream that lasts throughout retirement, giving you peace of mind regardless of market conditions.
What Could Pop the Bubble?
• Global Competition: If other economies, such as those in Europe or Asia, gain momentum, investors may pivot away from U.S. markets.
• Economic Slowdown: Slower U.S. growth, triggered by rising interest rates or reduced consumer demand, could undermine investor confidence.
• Shifting Sentiment: Overconfidence in any market tends to reverse sharply, often with little warning.
Why FIAs Are a Reliable Solution
Unlike equities, which are susceptible to market bubbles and volatility, FIAs provide a balanced approach to wealth preservation and growth. Products like Power Accelerator and Power Accumulator are designed to adapt to economic shifts, offering stability, growth, and guaranteed income.
Next Steps for Investors
1. Diversify Your Portfolio: Incorporate FIAs into your retirement plan to reduce exposure to market volatility.
2. Focus on Long-Term Security: Use FIAs to secure lifetime income and protect your principal from losses.
3. Stay Informed: Monitor global economic trends and adjust your strategy to align with changing conditions.
In uncertain times, taking a proactive approach to financial planning can make all the difference. By leveraging tools like Fixed Indexed Annuities, you can safeguard your wealth and secure a brighter financial future.
What can individuals do to prevent losing their 401(k) funds with a fixed index annuity?
Using a Fixed Indexed Annuity (FIA) alongside or in place of a portion of your 401(k) can help mitigate losses while still allowing for retirement savings growth. Here’s how people can stop the loss of their 401(k) value with the help of FIAs:
1. Use a Partial 401(k) Rollover to an FIA
- How It Helps: Many 401(k) plans allow rollovers into an FIA without tax penalties (as long as the funds go directly into the annuity).
- Why It Works: Moving a portion of your 401(k) funds into an FIA protects that part of your savings from market downturns, as FIAs guarantee no loss of principal.
2. Protect Principal While Participating in Market Upside
- How It Helps: FIAs link your growth to a market index, such as the S&P 500®, but they shield your principal during market downturns.
- Why It Works: Unlike stocks and mutual funds in a 401(k), which fluctuate with the market, FIAs ensure that you never lose money due to market declines, even if the index performs poorly.
3. Add Lifetime Income Stability
- How It Helps: Many FIAs offer a lifetime income rider that guarantees a consistent, predictable income stream, regardless of market performance.
- Why It Works: By moving a portion of 401(k) funds into an FIA with a lifetime income rider, you ensure a portion of your retirement income is secure, no matter how the market behaves.
4. Reduce Risk for Near-Retirement Funds
- How It Helps: As retirement approaches, protecting your savings becomes more important than chasing high returns.
- Why It Works: Shifting funds from volatile 401(k) investments to an FIA ensures that the money you need in retirement won’t be affected by market downturns.
5. Take Advantage of Tax-Deferred Growth
- How It Helps: Like a 401(k), FIAs grow on a tax-deferred basis, allowing your savings to compound over time without immediate tax impact.
- Why It Works: This feature provides another avenue for retirement savings without disrupting your existing tax-advantaged strategy.
6. Hedge Against Inflation
- How It Helps: Some FIAs include features or riders that adjust payouts for inflation, ensuring that your purchasing power remains intact.
- Why It Works: This complements the often static nature of 401(k) payouts and adds long-term financial stability.
7. Avoid Emotional Decisions During Market Volatility
- How It Helps: FIAs provide peace of mind, knowing your principal is protected even in volatile markets.
- Why It Works: This security prevents you from panic selling during market downturns, which can lock in losses in your 401(k).
8. Tailor Your 401(k) and FIA Allocation
- How It Helps: By allocating a percentage of your retirement savings to an FIA, you balance growth potential and safety.
- Why It Works: For example:
o Younger Investors (30s–40s): Allocate 20-40% of your 401(k) into an FIA for foundational security.
o Pre-Retirement (50s–60s): Shift 40-80% of your 401(k) funds into an FIA to safeguard against losses and secure lifetime income.
9. Utilize FIAs for Required Minimum Distributions (RMDs)
- How It Helps: FIAs can be structured to provide income streams that align with RMD requirements, ensuring compliance while protecting savings.
- Why It Works: This helps preserve other assets in your 401(k) while fulfilling your tax obligations.
10. Work with a Financial Specialist
- How It Helps: A financial specialist can help you decide how much of your 401(k) to roll over into an FIA based on your goals and risk tolerance.
- Why It Works: They ensure your strategy aligns with your overall retirement plan and avoids unnecessary fees or tax implications.
Conclusion
By integrating a Fixed Indexed Annuity into your retirement plan, you can protect your 401(k) savings from market downturns, ensure stable growth, and secure a lifetime income stream. This strategic approach helps you weather economic uncertainty while staying on track for a financially secure retirement. Always consult with a financial advisor to determine the best strategy for your individual needs.
What is the most effective investment strategy for individuals aged 30 to 45 that minimizes the risk of losses while incorporating the principle of compounding interest for retirement planning?
For workers aged 30 to 45 who are focused on saving for retirement while prioritizing guaranteed no loss of principal and compounding interest, the following strategies can provide the best balance of security and growth potential:
1. Fixed Indexed Annuities (FIA)
• Why It Works:
• FIAs offer market-linked growth tied to indices (e.g., S&P 500®, Blackrock) without direct exposure to market volatility. Your principal is protected, and gains are locked in annually or at the end of the crediting period.
• Some FIAs also provide bonuses or enhanced interest crediting, boosting the growth of your retirement savings.
• Compounding Advantage:
• Interest grows tax-deferred, allowing you to maximize savings efficiently over time.
• Provides a steady income stream in retirement with guaranteed lifetime withdrawal benefits (GLWB).
• Recommendation: Research products like the Accelerator Plus Fixed Indexed Annuity, which offers market-linked growth, no loss of principal, and tax-advantaged growth.
2. Indexed Universal Life Insurance (IUL)
• Why It Works:
• IUL policies combine life insurance protection with cash value growth, tied to market indices but with a guaranteed floor (usually 0% or 1%), meaning no losses during market downturns.
• These policies allow tax-free withdrawals or loans during retirement, making them an excellent supplement to traditional retirement plans.
• Compounding Advantage:
• Premiums contribute to a cash value account that grows over time, compounding interest tax-deferred.
• Policies are highly flexible, allowing you to adjust contributions and coverage based on changing needs.
3. Certificates of Deposit (CDs) with a High-Yield Savings Ladder
• Why It Works:
• CDs provide guaranteed returns and are FDIC-insured up to $250,000 per bank. Laddering CDs allows access to funds at regular intervals while earning higher interest rates compared to traditional savings accounts.
• Compounding Advantage:
• Earnings compound over time with no risk of loss, suitable for medium-term goals or as part of a diversified retirement strategy.
4. U.S. Treasury Series I Bonds
• Why It Works:
• I Bonds are backed by the U.S. government and offer a fixed rate plus an inflation-adjusted rate, providing protection against rising costs.
• Principal is guaranteed, and interest compounds semiannually.
• Compounding Advantage:
• Tax-deferred growth until redemption.
• No risk of loss and an effective hedge against inflation.
5. Employer-Sponsored Retirement Plans with Stable Value Funds
• Why It Works:
• Many 401(k) or 403(b) plans offer stable value funds that provide consistent returns with principal protection.
• Contributions grow tax-deferred, and there is no risk of market loss.
• Compounding Advantage:
• Regular contributions and compounded returns over time help build substantial retirement savings.
• Employer matches (if available) further amplify growth.
6. Roth IRA with Conservative Investments
• Why It Works:
• A Roth IRA allows after-tax contributions with tax-free withdrawals in retirement.
• Investments can include safe options like bond funds, target-date funds, or conservative mutual funds with stable returns.
• Compounding Advantage:
• Contributions grow tax-free, and withdrawals are also tax-free in retirement, provided certain conditions are met.
• Flexible access to contributions without penalties if needed.
7. Regular Savings Discipline
• Why It Works:
• Consistently contributing a fixed amount to a savings or retirement account builds discipline and ensures steady growth.
• Compounding Advantage:
• Time is your best ally; starting early allows your savings to grow exponentially due to compounding interest.
Portfolio Example for a 35-Year-Old:
• 40% Fixed Indexed Annuities: Ensures principal protection and guaranteed lifetime income.
• 25% Roth IRA with Balanced Fund Allocation: Growth-focused yet diversified for safety.
• 15% Dividend ETFs: Steady returns with reinvested dividends.
• 10% U.S. Treasury I Bonds: Inflation protection and secure growth.
• 10% High-Yield Savings or CD Ladder: Liquidity with risk-free returns.
Key Principles for Success:
1. Start Early: Compounding is most effective with time, so begin as soon as possible.
2. Diversify: Spread investments across asset classes to minimize risk.
3. Monitor and Rebalance: Periodically review your portfolio and adjust allocations to maintain the desired risk level.
4. Seek Professional Guidance: Work with a financial advisor to tailor strategies to your specific needs and goals.
This strategy blends growth, protection, and compounding, ensuring a secure and fruitful path to retirement.
Inflation, Market Volatility, and a Reliable Solution: Why This Fixed Indexed Annuity is the Smart Choice for Retirement Security
In today’s economy, rising inflation and stock market fluctuations are increasing concerns for those preparing for retirement. With the Consumer Price Index (CPI) continuing to reflect inflationary pressures and the market showing signs of volatility, investors are searching for solutions that safeguard their savings while still offering growth potential. The Accelerator Plus Fixed Indexed Annuity provides a well-rounded option, delivering stability, growth, and lifetime income, making it a solid choice in uncertain times.
Understanding Today’s Market and Inflation Landscape
Recent data shows inflation hovering around 2.6%, with periodic increases over the past months. While this level is below the record 9.1% peak seen in recent years, it still affects the purchasing power of savings. Stock markets have demonstrated significant volatility, impacting portfolios directly tied to market performance. For those relying on their investments to fund retirement, this volatility can pose a serious threat to their financial security.
Why Accelerator Plus® is Ideal for the Current Economic Environment
The Accelerator Plus Fixed Indexed Annuity is designed to address these exact concerns by offering dependable growth potential without the direct risks of stock market exposure. Here’s why this product stands out:
1. Market-Linked Growth with Downside Protection
Accelerator Plus provides growth based on the performance of reputable indices, such as the S&P and BR Market Advantage Index. This annuity allows your income base to grow without risking your principal in the stock market, ensuring that market downturns don’t directly affect your retirement income. This feature is invaluable for those looking to preserve wealth amidst economic fluctuations.
2. Generous Vesting Bonus and Tax-Deferred Growth
With a vesting bonus of up to 11% on first-year premiums, the Accelerator Plus gives a significant boost to your retirement savings from the start. Additionally, the tax-deferred growth offered by this annuity means your funds compound faster, increasing the value of your retirement income over time. This tax advantage helps mitigate the impact of inflation on your savings.
3. Guaranteed Lifetime Income with Flexibility for Health Needs
One of the unique aspects of Accelerator Plus is the Impairment Multiplier, which can double your income if you are unable to perform certain daily living activities. This additional income flexibility provides peace of mind, ensuring that your retirement income adjusts to support your needs if your health circumstances change. Moreover, you retain penalty-free access to funds in case of significant health expenses, making it easier to manage unexpected costs.
Stability and Confidence in Retirement
For individuals concerned about outliving their assets, the Accelerator Plus Fixed Indexed Annuity offers a solution tailored to these times of economic uncertainty. It combines growth potential with the reliability of lifetime income, so you can maintain financial security no matter what happens in the market.
As inflation and market volatility continue to challenge traditional retirement plans, the Accelerator Plus stands out as a protective, growth-oriented option. By blending tax advantages, principal protection, and enhanced income flexibility, this annuity is positioned to support your long-term goals with stability and confidence.
Take the Next Step in Securing Your Retirement
The Accelerator Plus Fixed Indexed Annuity provides the peace of mind and reliable growth you need in today’s unpredictable financial landscape. Contact us today to learn more about how this product can fit into your retirement strategy, ensuring your financial future remains strong and resilient.
Dealing with inflation and Maximizing Returns for Retirement saving.
For many years, the main concern for working-class individuals has been whether the money they save for retirement will be enough to cover their expenses. Did you know that, for example, $100,000 today will have less purchasing power in 5 or 10 years due to an average annual inflation rate of 3.4%? This is why early retirement planning is crucial.
Our strategies aim to ensure that, for example, the $100,000 in retirement assets can beat inflation rates and provide significant returns to supplement your retirement income, including double the income benefits for medical impairment. In this program, both principal and profits are guaranteed not to be lost in case of a stock market crash.
Our leading financial carriers in the industry offer various benefits, such as consistent annual/monthly payments for life, increased payments in case of illness, and continued payments for the spouse and heirs in case of the account holder's death.
Please be aware that IRAs and 401(k)s are not guaranteed; when the stock market declines by 1% - 30%, IRAs, 401(k)s, and others may decrease by the same percentage.
If you have any questions about Traditional IRA, SEP IRA, ROTH IRA, SIMPLE IRA, 401(k), 403(b), 457, retirement planning or financial strategies, please feel free to contact SP Finance Services for free advice and consultation.
Phu Nguyen
Financial Speacialist & Consultant
Fixed Index Annuity
Financial Speacialist & Consultant
(408)888.0534
Private pension funds (Fix Index Annuities) are investment products sponsored by top financial companies that are highly rated (A+, A-, A) by global rating agencies such as AM Best, S&P Global, Fitch, and Moody's. Similar to how banks have FDIC backing, investments in private pensions are guaranteed by NAIC, providing an additional layer of protection as financial companies insure each other.
When comparing private pensions and stocks, stock investments carry a higher risk of loss during market declines, as they are not sponsored by any organization. The 2008 financial crisis serves as a clear example, with the Dow Jones dropping 54%, the S&P 500 dropping 57%, and the NASDAQ dropping 56%. It took at least six years for the market to recover from these losses. The question we should ask ourselves is, "How many times can we afford to wait for six years?"
The lesson learned from the 2008 financial crisis is that participating in private pensions is safer because both the principal and interest are guaranteed not to be lost by financial institutions such as market declines. With rising inflation, ongoing conflicts, and increasing unemployment, it is crucial to protect your family's finances, and retirement with a safe investment fund.
SP Finance Solutions is a reputable finance industry broker providing valuable insight to clients in all 50 states.
Tips for Safeguarding Your Retirement Savings
Financial Speacialist & Consultant
(408)888.0534
Please remember the details of our "3-in-1" program, designed to provide a safety net for your financial future when participating in a pension fund program. It's crucial to ensure that your income never runs out, that your income is doubled in the event of serious illness, and that any remaining funds are passed on to your heirs after you and your spouse pass away.
The "3-in-1" program offers the following benefits:
Lifetime income for you and your spouse, with the same income continuing to be distributed to the spouse after the primary annuitant passes away.
Doubling of your income when seriously ill (2 out of 6 ADL).
Transfer of your remaining pension fund to your heirs if you and your spouse pass away.
If you already have a financial advisor or company guiding you, please inquire about our "3-in-1" program to ensure the security of your financial future.
While many companies offer various bonus programs with conditions attached, our bonus program provides up to 45% of the total investment. However, it's important to note that only the "3-in-1" program ensures the protection of your benefits, giving you peace of mind about your financial future.
The program is available to those who change jobs, are laid off, or are in-service (currently working but 59 and half years old). We can roll over funds from a 401(k), 403(b), 547, Traditional IRA, SEP IRA, Roth IRA, or Simple IRA, but not savings or CDs.
SP Finance Solution serves clients in all 50 states
Roll-Over 401(k) Error Costing Clients Billions of Dollars
SP FINANCE SOLUTIONS
Financial Speacialist & Consultant
(408)888.0534
It's important to remember that when you change or lose jobs, you need to transfer your 401(k) from your old company's account to a new IRA (personal) account. However, it's essential to also choose new investments for the transferred funds to complete the process. Many people overlook this final step, leaving the money in the IRA account as cash, which means it won't generate any interest.
According to a study by the Vanguard Group, around one-third of people who transferred their 401(k) funds into an IRA at Vanguard in 2015 still had it as cash after eight years. IRAs with a lot of cash miss out on over $172 billion in potential annual returns, according to estimates from Vanguard.
This mistake is quite common and can be costly, especially for employees used to having their 401(k) automatically invested in their old company's chosen plans. They risk missing out on potential returns over many years.
A recent client at SP Finance Solutions is a typical example of someone who was unaware that their money in the IRA remained stagnant for years and wasn't earning any interest. It took them a long time to realize that the money was in cash form.
If you're preparing for retirement, changing jobs, or have lost your job, it's crucial to know what steps to take next to ensure that the money saved in your 401(k), 403(b), etc., continues to generate returns.
Your IRA should provide lifetime income for both spouses and double your income if you become seriously ill during retirement. If you have any questions or would like SP Finance Services to help review whether your IRA is truly invested in indexes, we are happy to review it free of charge.
What is “3 in 1” Private Pension?
Financial Speacialist & Consultant
(408)888.0534
When participating in a pension fund program, it's crucial to ensure that your income never runs out, that your income is doubled in the event of serious illness, and that any remaining funds are passed on to your heirs after you and your spouse pass away. Our '3-in-1' program is designed with your security in mind, providing a safety net for your financial future.
If you already have a financial advisor or company guiding you, ask them about this critical 3-in-1 program.
Here are the details of the "3-in-1" program:
It ensures lifetime income for you and your spouse(when the primary annuitant passes away, the same income will continue to be distributed to the spouse.)
It doubles your income when seriously ill(2 out of 6 ADL.)
It transfers your remaining pension fund to your heirs if you and your spouse pass away.
Many companies offer various bonuses of 20%, 30%, 40%, and 45% of the total investment, with many conditions attached. Unfortunately, these bonus programs do not provide "doubled income" and only offer "simple interest."
At SP Finance Solution, we also offer customers similar bonus programs, up to 45%. However, only the '3-in-1' program ensures the protection of your benefits, giving you peace of mind about your financial future.
Who can qualify for this program? People who change jobs, are laid off, or are in-service(currently working but 59 and half years old).
We can roll over from 401(k), 403(b), 547, Traditional IRA, SEP IRA, Roth IRA, or Simple IRA, None-Qualify fund(saving, CDs) to Private pension plans.
SP Finance Solution can serve our clients in all 50 states.