Did you or anyone you know experience the stock market in 2000,2008, or 2020? How did you or they perform? Most accounts during those times were down anywhere from 25%-50%. Maybe you were young enough to take the hit, but some were closer to retirement age and watched half of all they worked for disappear. It created dark and stressful times for people. Even today, people stay stressed and worried as they frantically check their market accounts. Guess what… your stockbroker or brokerage house still gets their fee regardless. Why put yourself through such? Maybe some of you are over it and seeking safety for your retirement. 

If you are seeking shelter while looking for conservative returns, there are products like fixed indexed annuities and whole and universal life insurance that provide protection from market risk, taxes, claims/creditors, lack of FDIC insurance, and probate while offering great rates of return. Most people get cold feet when they hear annuity or life insurance because they have been misguided or only remember products of the 90s and early 2000s. Life insurance products right now are paying 6%-11% and fixed indexed annuities are paying anywhere from 5% in fixed interest and upwards of 15% in index options. The insurance companies will completely protect your downside, so you never lose money again and allow you access to your money inside the contract. At retirement, these same companies offer lump sum options as well as guaranteed lifetime income options. Payments can even be increased to cover unexpected medical or nursing facility care if a situation arises. All of this and you pay zero fees! Your money is whole! Does that not sound like a nice retirement vehicle? 

Consider something new. Think about diversifying your retirement funds today and minimize your worry. There is protection with reward out there. You don’t have to ride the market rollercoaster to reach your retirement finish line. If I can help you or you want to learn more, contact my firm. Consultation, planning, and administration are free of charge. Secure your future!