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    • Home
    • About Us
    • Contact Us
    • Testimonials
    • Our Partners
    • Book Online
    • Disability Insurance
    • Life Insurance
    • Retirement Planning
    • Business Overhead Expense
    • Business Insurance
    • Career Opportunities
    • In The News
  • Home
  • About Us
  • Contact Us
  • Testimonials
  • Our Partners
  • Book Online
  • Disability Insurance
  • Life Insurance
  • Retirement Planning
  • Business Overhead Expense
  • Business Insurance
  • Career Opportunities
  • In The News

Indexed Insurance & Annuities - Guarantees In Life DO Exist!

Look Familiar?

It's Just "Gambling"

It's Just "Gambling"

Most financial advisers and planners don't specialize in "GUARANTEES." 


  • NO guarantee against losing money in the market


  • NO guarantee against ever running out of money


Instead, they rely purely on SPECULATION and GUESSING what the market will do. 


To spread this risk, they often recommend you "DIVERSIFY" which on the surface makes sense. 

It's Just "Gambling"

It's Just "Gambling"

It's Just "Gambling"

But even if you DIVERSIFY - You are still GAMBLING and putting your money at RISK!  


"You're just using fifty slot machines instead of one." 

Loss is REAL

It's Just "Gambling"

Loss is REAL

S&P 500 - Notable Loss Years


  • 1929 -11.91%
  • 1930 -28.48%
  • 1931 -47.07%
  • 1932 -15.15%
  • 1937 -38.59%
  • 1940 -15.29%
  • 1941 -17.86%
  • 1973 -17.37%
  • 1974 -29.72%
  • 1977 -11.5%
  • 2000 -10.14%
  • 2001 -13.04%
  • 2002 -23.37% 
  • 2008 -38.49%
  • 2022 -19.44%

WHAT IF THERE WAS A BETTER WAY?

Only one direction - UP!

Wouldn't it be neat if your retirement funds could work like a ratchet wrench and only go in ONE direction - UP? They CAN with Fixed Indexed Annuities and Universal Life Insurance. 

Why take risk when you don't have to?

Retire Well - Sleep Well! Guaranteed upside gain ZERO losses

"Having an annuity with guaranteed income in retirement is like having a job you LOVE where you can never be fired, and each year you're eligible for a pay raise that gets locked-in."

Where do the guarantees come from?

Financial Strength - Ratings Matter

We carefully hand-pick and partner with some of the finest most trusted and respected life insurance and annuity companies in the industry, going strong since the 1800s with the highest "A" comdex ratings for financial strength and claims-paying ability from Standard & Poors, Moody's, A.M. Best and Fitch. 

Book your appointment TODAY!

See our educational videos!

START PLANNING!

FIXED INDEXED ANNUITIES

Learn about guaranteed income for life, tax advantages and how to capture the upside of the market like the S&P 500 with guaranteed safety and ZERO downside market loss

"LOCK-IN" YOUR GAINS

Remember 2008 and the nearly 40% loss? Learn how to capture the UPSIDE of the market - while "LOCKING-IN" your gains with guaranteed ZERO downside market loss

GUARANTEED LIFETIME "PENSION" INCOME

GUARANTEED LIFETIME "PENSION" INCOME

GUARANTEED LIFETIME "PENSION" INCOME

What is the #1 concern of people who are retiring? RUNNING OUT OF MONEY. 


And it's no wonder. With medical technology constantly improving, people are living longer and longer. Will your savings last as long as you do? Have you factored in inflation also? Watching your retirement nestegg evaporate right before your eyes due to market losses, inflation and simply living longer is SCARY!  


Fixed and Indexed Annuities can provide a GUARANTEED life income that increases significantly over time, no matter how long either you or your spouse lives. It's like having a pension on steroids. Rest easy and sleep well, knowing you have a guaranteed check each month for the rest of your life!


Why gamble with your retirement funds when you don't have to?

INSURANCE FROM MARKET LOSS

GUARANTEED LIFETIME "PENSION" INCOME

GUARANTEED LIFETIME "PENSION" INCOME

Are you tired of market losses and volatility in your retirement portfolio? 


Do you remember 1987 and "Black Monday?" Or 2000, 2001 and 2002? Everyone remembers 2008 when the S&P 500 lost 38.49%. 


Are you looking  for more safety, protection and guarantees? You've come to the right place. "Getting the best of both worlds" - SAFETY AND PERFORMANCE is our specialty. 


Our Indexed Universal Life Insurance policies and Inexed Annuities CAPTURE THE UPSIDE OF THE MARKET WITH NO DOWNSIDE RISK. 


Wouldn't it be neat if you could  be guaranteed ALL GAINS AND ZERO LOSSES? You can with Fixed Indexed Annuities and Universal Life Insurance.


We broker with extremely strong, highly "A" rated life insurance and annuity companies, many that have been around since the 1800s

TAX ADVANTAGES

GUARANTEED LIFETIME "PENSION" INCOME

401K ROLLOVERS AND IRA TRANSFERS

Are you concerned about the effects of inflation on your retirement savings? 


Is the cost of a gallon of as or milk the same as it was 20 years ago? Hardly, right? 


With people living longer and longer, your retirement money will have to keep up. Currently, we are experiencing RECORD HIGH At 7-8% inflation. At 8% inflation, you will need TWICE the spending power to buy the same thing in only 9 years. 


Use the "Rule of 72" to see how this works: 


Take 72 and divide it by the rate of inflation to see how long it will take for something to be double in price. 


(72 / 8 = 18)


Pretty sobering, isn't it? We can show you ways to offset inflation. 

401K ROLLOVERS AND IRA TRANSFERS

401K ROLLOVERS AND IRA TRANSFERS

401K ROLLOVERS AND IRA TRANSFERS

Do you have a 401K from a previous employer that you need to roll into an IRA? 


Do you have IRAs that you need to consolidate? Are your retirement assets under performing? Are you looking for more safety, protection and guarantees? Do you need guidance and strategies on income planning so that you can finally enjoy what you've been looking forward to? 


Consider using us to roll your 401K from a previous employer or transfer your existing IRA, with no taxable event into an IRA funded with the SAFETY, SECURITY AND GUARANTEES of a Fixed Indexed Annuity. We have options and solutions to absolutely protect both your principal and gains earned from all downside market risk and also help you to create a single or joint "pension" a guaranteed lifetime income you cannot outlive! Your pension can go UP when the market goes up and NEVER go down when the market does. 

PROTECTION from a DISABILITY

401K ROLLOVERS AND IRA TRANSFERS

PROTECTION from a DISABILITY

What is your plan if you get sick or hurt and cannot earn an income to fund your retirement plan? If you have no job, no income and no 401K contributions and no employer match, you have no retirement. Now what? Where will the money come from to save for retirement? 


Disability Insurance "DI" can protect your retirement savings in TWO WAYS: 


  • It can PROTECT and insulate your savings and long term investments so they don't have to be liquidated - often at a loss. You never get the best price when you are in a rush to sell, right? Disability Insurance is Income Protection. It replaces a portion of your paycheck, tax-free so you have money for your current expenses like the mortgage, utilities and groceries and car payments.


  • It can provide tax-free cash to CONTINUE FUNDING your retirement so it doesn't get completely derailed. People without disability insurance always go on disaster "survival mode" and STOP making their retirement contributions. 

PROTECTION FROM INFLATION

401K ROLLOVERS AND IRA TRANSFERS

PROTECTION from a DISABILITY

Are you concerned about the effects of inflation on your retirement savings? 


Is the cost of a gallon of as or milk the same as it was 20 years ago? Hardly, right? 


With people living longer and longer, your retirement money will have to keep up. At 4% inflation, you will need twice the spending power to buy the same thing in 18 years. 


Use the "Rule of 72" to see how this works: 


Take 72 and divide it by the rate of inflation to see how long it will take for something to be double in price. 


(72 / 4 = 18). 


Pretty sobering, isn't it? We can show you ways to offset inflation. 

Gambling, Risk and Speculation Vs GUARANTEES

Unlike stocks, bonds, mutual funds, metals, bit coin or real estate, which are all based on pure speculation, gambling and the very real risk of losing money, CASH VALUE LIFE INSURANCE and ANNUITIES are the world of SAFETY AND GUARANTEES! 


Fixed Indexed Life Insurance and Annuities are able to capture the competitive UPSIDE of stock indices like the S&P 500 but with NONE of the downside market risk or losses. They protect and insure both your principal and your gains don't go back down.....even if the market does. Why is this important?

  • Let's say your investment has a value of $1,000,000. If you take a negative hit of 50% your investment is now worth $500,000 right?


  • If you go back up 50%, are you back up to your original $1,000,000 where you started? NO! You are still down 25% at only up to $750,000! 


  • Now.... to add insult to injury, one must ask... HOW MUCH GAIN do you need on your remaining $500,000 to get back to your original $1,000,000? That's right... 100%. 


So to summarize, if you take a 50% hit, a loss, you need a 100% gain JUST to get back to EVEN! This is much easier said than done and could take a very long long time, ........ time you might not have. What if your retirement date was supposed to to be 2008 right when the S&P 500 crashed almost 40%? 

In the News - See Our Published Articles

Tax-Free Retirement Planning for Your Orthotics & Prosthetics Practice

Successful Practices - Creating Tax-Free Income in Retirement with all Gains and Zero Market Risk

ANNUITIES - Guaranteed Income Planning

There ARE guarantees in life - but you have to pay for them in ADVANCE! 

Retirement Planning

Setting Realistic Savings Goals that Work

Indexed Universal Life

IULs - The Jumbo Roth IRA Alternative


Selling a Business to Create a Tax-Free Nest Egg

Creating Tax-Free Income with All Upside Gains and Guaranteed Zero Market Risk

Pension Maximization

How to get the most out of your defined benefit pension plan

Roth Investing Could Curb Future Tax Exposure

Fixed Versus ARM Loan Analogy Helps to Decide 

Indexed Annuities - Increasing Income Locked-In

Guaranteed Income for the Private Sector - Fixed Annuities to Outpace Inflation

Roth Vs Traditional IRAs and 401Ks

Logic of fixed Vs ARM mortgages can help you to decide which is best for you

Our Partners


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