Income For Life Like most senors, living off of CDs and bond fund dividends was the norm. In the new economy that does not cut it. In one single solution, by combining a poor performing fixed asset and volatile bond funds, we increased our clients income, lowered his taxes (exclusion ratio), and protect him against longevity risk by providing him with an income steam that cannot be outlived. Our experience had recommended the client chose a very niche variable annuity which now means our client enjoys a peace of mind as they live large in their retirement community. Ask about our income for life calculator.

 

 Risk Management After our client profile form was submitted and a full portfolio review completed, it is determined that this client was taking on too much risk Like most, investors want the growth of the market without the risk. So, with a 60/40 recommendation, 40% of the clients portfolios risk is taken off the table and transferred to a Indexed Annuity. In the first year, as the market faced catastrophic declines, but the clients principal was not hurt. In the second year, a substantial double digit gains was experienced and auto-locked in. After three years of substantial market fluctuation, with the market retracing back to it's starting point, our clients account had locked in comfortable gains in two of those three years. Needless to say, the SEP-IRA for this independent contractor has given our client a peace of mind that they deserve.