Common Myths

Is Traditional Investing Stressing You Out?

Losing Sleep over Inflation & Rising Prices?

3.8% average inflation 1960-2021
7.25% average inflation in 1970's
8.5% inflation Sept 2021 - July 2022
Can your portfolio handle inflation?
Source: A1 in Disclaimers

Worrying About Running Out of Money?

Below is the % chance assets will last over a 30-year period invested 60/40 stocks/bonds, inflation adjusted:
4% withdrawal rate = only 60-70% chance of success
5% withdrawal rate = only 30-40% chance of success
Is your withdrawal rate sustainable?
Source: A2 in Disclaimers

Uncertain If You'll Outlive Your Life Savings?

Chance of living to age 90:
43% chance for age 65 male
53% chance for age 65 female
What's in your genes?
Is the fountain of youth still desirable?
Source: A3 in Disclaimer

Changing The Lives of Retirees

Over $79 Billion in Industry Wide Fixed Index Annuity sales in 2022 (Source)

Ready to Learn More?

I'm Ready To Learn More

Feel Better

Sleep Better

Have better relationships

Spend more time smiling

Learn About Guaranteed Income Streams

for retirees & pre-retirees

Are you missing out on...

Growth Potential
Principal Protection
Tax-Deferred Growth

Guaranteed Income
Various Crediting Methods
Death Benefit Legacy

⚠️ GET YOUR ILLUSTRATION BEFORE IT'S TOO LATE! ⚠️

HOW WE CAN CHANGE YOUR LIFE IN

IN JUST 1 MEETING

Tell us who you are
Share your goals with us
Tell us what you fear

We will listen
We will learn about your wants & needs
We will decide if we can help you

Meetings via Zoom in the comfort of your own home

So How Can A Fixed Index Annuity (FIA) Potentially Help Me?

Protect Your Principal

You're not invested in stocks
No risk due to stock mkt losses
It's not a stock or mutual fund.
Is protection appealing to you?
Do you have something like this?

Get Guaranteed Income

It's optional on some annuities
Reliable stream of income
Income for as long as you live
Sustainable income
But each product is different
So you need someone to help

Enjoy Rising Income

Available with some annuities
Why? Because inflation is real
Many pensions don't increase
But Social Security income might
Got you thinking?

Time to Cancel All Insurance?

Cancel Car Insurance?

Have you cancelled your car insurance?
Probably not, but why?
Althouth you may never get in a wreck...
You also might...
And that's why you insure your car!

Cancel Home Insurance?

Have you cancelled your home insurance?
Probably not, but why?
Althouth your home may never burn or flood...
It might...
And that's why you insure your home!

Cancel Health Insurance?

Have you cancelled your health insurance?
Probably not, but why?
You rely on it, and...
A big health problem could arise, and...
You might be too scared without it, and...
You may not be able to sleep well
And that's why you insure your health!

Cancel Portfolio Insurance?

If you had insurance on your portfolio...
Such that it would pay you a lifetime income even if you ran out of money...
Would you cancel such insurance?
Almost certainly not!

Flip The Script

Some people ask why they would insure a portion of their retirment portfolio.
Perhaps the better questions is...
Would I cancel such insurance if I already had it?
Perhaps your resounding answer is: "I would never cancel my portfolio insurance"
"Just like I wouldn't cancel my car, home or health insurance!"

Time To Think

It's time to start thinking like a responsible, wealthy adult,
Instead of like a greedy kid in a candy store
FOMO & greed can be detrimental to one's retirement income and maintaining dignity
Think about the peace & joy of not having to worry about running out of income...
If you have lifetime guarnanteed income

These Analogies May Help You Understand Index Annuities & Lifetime Income

Mountain Climbing

A mountain climber locks in their line
That's why they're not afriad
If they slip, they're still safe
Index Annuities are able to potentially lock in gains

Elevators

Elevators can go up and down
But what if an elevator could only go up
Index Annuity Lifetime Income typically can potentially increase, but not decrease
Unless you violate the terms of the policy
Are you catching this?

Pension Income

Pensions often offer guaranteed lifetime income
Back by the claims paying ability of the backing agency/company
But only some pesions offer the potential for increasing income
Index annuities are backed by the issuing company
Some index annuities have the potential for increasing income

Social Security Income

Social Security income is a lifetime income stream
It has the ability to increase, but not decrease
Absent a default by the gov't
Certain Index annuities offer lifetime income
Some even offer the potential for income that can increase, but not decrease

Paycheck Income

People love paycheck income
The kind that shows up regularly
Don't lose your paychecks simply because you retired
Create a paycheck-like income stream
By buying an index annuity with guaranteed lifetime income

Umbrellas

When it rains, you use an umbrella
You have an umbrella because it will rain at some point
So why not consider a principal protected fixed index annuity
Since you know that the financial markets will rain down at some point?

Are You a Video Learner?

What is a fixed index annuity?

Learn visually via this video
Income for life (available on some FIAs)

Understanding Fixed Index Annuities – How Does a Fixed Index Annuity Work?

Some potential benefits:
Principal Protection
Lifelong revenue stream (available on some FIAs)
Growth Potential
Tax Deferred Growth
Limit risk exposure

Understanding Lifetime Income Benefit Riders – How Do Lifetime Income Benefit Riders Work?

What day do you want your "Pay Day" to be?
How cool is that!

The Obstacles That Can Crush The Retirement Dream

Inflation -- Rising Prices!

3.8% average 1960-2021
7.25% average in 1970's
8.5% Sept 2021 - July 2022
Can your portfolio handle inflation?
Source: A1 in Disclaimers

Withdrawal Rates!

4% withdrawal rate = only 60-70% chance of success
5% withdrawal rate = only 30-40% chance of success
Is your withdrawal rate sustainable?
% chance assets will last over a 30-year period invested 60/40 stocks/bonds, inflation adjusted

Living Too Long!

Chance of living to age 90:
43% chance for age 65 male
53% chance for age 65 female
Source A3 in Disclaimer
What's in your genes?
Is the fountain of youth desirable?

So let's talk for a minute. It's time to get real. Prices go up over time and they really seem to be going up right now. I mean, have you seen the price of eggs lately, I heard on the radio recently that raising hens on your own in order to save money actually ends up costing over $10 per egg. I don't know if that's true, but if the radio says it, then it has to be true right? We see that many people think that 4-5% withdrawal rates in retirement are sustainable, but the numbers above paint a different story. And wow, people seem to live a long time and that's without the fountain of youth, and have you thought about what advancing health care, supplements and medications can do to that number? It's scary to think about. Maybe solicalism or communism will solve all our problems, right...I think not. So what in the world are retirees and pre-retirees to do?!?!

But now you can stop worrying because we have potential solutions. But we can't help you if you don't book a discovery call with us, so go ahead and book your discovery call now.

Source WealthManagement.com

TAKE A LOOK AT SOME HEADLINES

Wall Street Journal

The Case for Replacing Some Bonds With Annuities

Source Wall Street Journal

WealthManagement.com

Ibbotson: Fixed Indexed Annuities Beat Out Bonds

Kiplinger

Better Than Bonds? A Look at Uncapped Fixed Index Annuities

Source Kiplinger

CNBC

‘Ugly times’ are pushing record annuity sales. Here’s what you need to know before you buy

Source CNBC

Planadviser

Annuity Sales Hit Record High in March (2022)

Source Planadviser

⚠️ BOOK A CUSTOMIZED DISCOVERY CALL TODAY! ⚠️

I'M READY TO LEARN MORE!

About Guaranteed Income -- Click Here

Case Study

Meet Joe

Joe had half of his money in the stock market
He lost 56.8% of that money 10/9/07 thru 3/9/09
His other half was in bonds
He lost 34.8% in his long term Treasuries 1/22 thru 10/24/22
He was pulling 5% a year to live on
His parents lived well into their 90's
Sound familiar?
{See Source A3 in Disclaimer for stats}

Joe was like freaking out!

He was taught to buy, hold and look away
But the problem was that he couldn't sleep
Joe became grumpy
He stopped enjoying retirement
He watched financial news all day
He didn't have time for hobbies anymore

Then Joe took a Meeting

Joe learned about guaranteed income products
He didn't want all his money at risk
He loved the idea of principal protection
Joe was exciting about rising income potential
He got back into all his old hobbies
Joe became happer & slept better
His wife even liked him again :)
He no longer fears opening his account statements

WAIT...Before you judge Joe, understand he's not a bad guy. In fact, he's a very typical guy. A very typical investor. He listened to mainstream media and took their advice. But eventually, the market went down. Then it wore him down. It wasn't a problem when the market was doing well, but it became a big problem when the market stopped doing well, and well, the market always pauses and stops doing well at some point, for a period of time. That's just the way the markets have worked. You have ups and downs. But now that Joe was retired, he could no longer stomach opening his investment statements. He has an advisor handle some of his money, and the advisor always said to just "hang in there." But it was tough to just "hang in there" because inflation was going nuts, his life savings had decreased considerably and now he was worried that he may literally run out of money. Additionally, he managed some of his own money and pulled it all out of the market and it was just sitting on the sidelines and he didn't know if we woule ever have the guts to get back into the market, or maybe he would, but it would be way too late.

Fortunately, Joe learned about guaranteed lifetime income with an index annuity. With his principal now protected from stock market losses and bank account filled up monthly from a guaranteed lifetime income stream from index annuity distributions, he felt like it was like having a job without having to work. Each month his bank account would get filled up with lifetime income from Social Security and also with lifetime income from the index annuity company. Boy oh boy, did he feel like a kid in a candy store. Instead of waking up with sweats, opening his computer to check his investment values only to be disappointed any time he lost money, he was now able to sleep soundly, wake up refreshed, and have morning coffee with his bride on the porch overlooking the mountains while his grandchildren played in the open field.

But not everyone is like Joe. Some of his neighbors stayed fully invested in the markets because they didn't understand index annuities. They had never been educated about index annuities. Other neighbors were sitting in just cash and bonds, but they seemed to be worried about inflation and fluctuating bond values. So Joe became a cheerleader of index annuities and started telling his neighbors about his wonderful experience with index annuities. Pretty soon, some of his neighbors got educated about index annuities and started using them in their own portfolios to create their own guaranteed lifetime income streams. Joe became so popluar from his efforts of sharing this good news that they voted him "the investment guru" and also "most popular" at their annual 50+ community awards banquet.

I hope you enjoyed that story. It's a fictitious story designed to illustrate some points. Not everyone loves index annuities, but you may find that index annuities may be a great option for a part of your portfolio. But how would you know unless you chose to get educated by someone who really knows index annuities and understands how they can be a great piece of a portfolio for certain people. You can continue to be a naysayer, OR you can book a meeting with us to learn about the true value of index annuities which can have both financial benefits, and also emotional benefits so that you can better enjoy your retirement and let your life savings go to work for you instead of causing you work and stress.

Common Myths

People are not satisfied with annuities:

Our research has shown that when people understand annuities, they’re extremely satisfied with them. According to the study, 76 percent of annuity owners are “very happy” with their purchase. More than half of owners like the product because it’s a safe, long‐term investment vehicle (57 percent), a great way to supplement their retirement income (56 percent), and an effective tool to get tax‐deferred growth potential (56 percent). In fact, consumers ranked annuities second‐highest (50 percent) in satisfaction among all financial instruments, beating out mutual funds at 38 percent, stocks at 36 percent, U.S. savings bonds at 35 percent and CDs at 25 percent. This survey also showed that more Americans are now seeking safety and guarantees over growth. When asked what features they find most important in a financial product, the top feature was “the ability to create a stable, predictable standard of living throughout retirement” followed by the “ability to provide a guaranteed income stream for life.” Similarly, when asked to choose between putting money into an annuity‐like solution (moderate growth opportunity, monthly income, but limited access to the lump sum) versus a similar instrument that provides total access but risks running out of money, 56 percent chose the annuity‐like solution. These results demonstrate that more education is needed about annuities because perceptions need to change if consumers are to access guaranteed income and create a more stable retirement. Source Allianz response to Department of the Treasury and Department of Labor, 9/9/2010

Index Annuities are expensive:

Actually, there are many index annuities that don't have any fees, and many others that have low fees. Don't believe everything you hear.

There will be nothing left for your heirs:

Each annuity is different. Many index annuities actually have a death benefit so that there may be a nice legacy for your heirs. In fact, with one of our favorites, the Allianz Benefit Control Index Annuity, you can even leave a legacy: (FIAs pay your loved ones a death benefit if you pass away before you start taking scheduled annuity payments. (And, if properly structured, the death benefit is not subject to probate.)) Source Allianz. Now if you live long enough and spend down you accumulation value and death benefit to zero, then no there won't be anything left for heirs, but doesn't the same hold true for other types of investments as well? Think about it.

The money is completely illiquid:

Actually, most annuities offer free withdrawals, with many offering free withdrawals of upwards of 10% annually withut incurring a penalty, and eventually surrender charges go away. But the biggest takeway is this: you're not going to put all of your money in an annuity, so let's walk though an example: say you have 50% of your money in an annuity and 50% in the bank and money market and bonds for example. Now assume you have an emergency and need 10% to help your child. Well, you'll simply pull that from your liquid investments. What if you have a health emergency and need to pull 25%. Well, pull that from your liquied investments. What if you want to move? Well, most retirees are downsizing and will simply use the equity in their homes. So really, what's the big deal about having a chuk of your money in annuity if you have plenty of othe liquid assets at your disposal?

Annuity are only good for the advisor, not the client

While there are some people who "sell" annuities for the commission, and others who only sell them because they have nothing else to offer, or they work for a specific company, index annuities can be a fantastic solution for a part of a portfolio for the right person. Why do some advisors think that an index annuity is to solution for practically every single person they meet? I subscribe to you that if someone only has a hammer, then they will think everything is a nail. But if you find a solid, honest professional who understands your needs, fears and desires, and if they're not desperate for money, then they should hopefully be able to talk to you about diversification and the fact that one single product doesn't solve all the problems, but that a thoughtful approach to your money may, or may not, include investing a portion of your life savings in a product with guarantees that will help you sleep better and have more joy and better relationships.

Lifetime income is easy to produce without an annuity:

Oh really! So you're going to go out and buy a combination of bonds and options strategies that guarantee you lifetime income, and you're going to be able to do that in a tax efficient manner. Why? Because you've a mathematician and options specialist and you have experience with underwriting yourself and experience with mortality tables? I don't think so. Let's see what Fidelity has to say about it: "Reality: Besides Social Security and pensions, only annuities guarantee a stream of income that you can't outlive." Yep, that's from Fidelity's website and here's the source.