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Our objective is to provide clear information about all aspects of fixed and fixed-indexed annuities, as they relate to the spectrum of risk and return. Through this website, we hope to clarify your perspective as to which retirement savings or investment vehicles suit your retirement objectives.
American Annuity Advocates wants to play a meaningful part in helping you protect your retirement savings, and thus, enjoy your retirement years, by providing you with accurate information.
We all know that preventative medicine is a crucial method of addressing serious health concerns. Preventative care affords identification and treatment of disease or illness, in the early stages, before such concerns have a chance to manifest themselves and become critical. There are healthy, preventative measures we can all take, in relation to protecting our retirement savings, as well.
Because no one cares about your money more than you do, it is crucial that Americans across the country take the time to educate themselves. Take the time to learn about retirement planning, and to learn about savings or investment products that will grow and protect your nest egg. When the time comes to draw upon those assets in retirement, you need to be confident that your money will be there when you need it!
Who can benefit from annuities? The answer is conservative investors, current CD and annuity owners, retirement savers, and investors desiring potentially higher returns with principal and interest rate guarantees. Soon to be recipients of pensions, 401ks, 403bs, and those about to roll over their IRAs, can be included in those favoring annuities. Additionally, annuities may be ideal for retirees who want the ability to access their savings by taking penalty-free annual 10% withdrawals, or by taking monthly income. The unpredictability of the stock market leads many investors to the safety of fixed and fixed-indexed annuities.
Many retirees are fearful of losing money in the stock market. With fixed and fixed-indexed annuities, as long as the consumer remains in the annuity contract for the agreed period of time, (3, 5, 7, 10 years etc...), they will never lose another dime of their savings, regardless of the volatility in the stock market. With tax-deferred annuities, there are no costs, no fees, and many annuities offer an upfront premium bonus for transferring savings into fixed and fixed-indexed annuities, therefore offsetting previous market losses.
American Annuity Advocates understands that consumers hear conflicting advice from financial consultants seeking their retirement savings or investment business. In addition, the media is rampant with misinformation regarding annuities and how they relate to other savings or investment choices. The reality is that a financial consultant may have a certain orientation. One may be more oriented towards market sensitive investments, which means he or she is likely to recommend an investment product tied directly to the stock market, and another advisor may be more oriented towards savings products. Due to a limited perspective, an advisor may believe that the “market” is always the consumer’s best choice, and that by diversifying or purchasing expensive product riders designed to protect your savings, he or she can grow, and protect, your retirement nest egg simultaneously.
American Annuity Advocates will present clear information which will empower the consumer to draw their own logical conclusions, as to which savings or investment products are right for their retirement nest egg.
A financial consultant, who may be more oriented towards market sensitive investments, has a subjective view point, which may not always match the objectives of more moderate investors or savers. This subjective viewpoint will be revealed to you in plain sight as you learn more about your savings and investment choices. Consumers who take the time to acclimate themselves with the material discussed on this website, will not only challenge the advice often given by advisors, but they will challenge their own preconceived notions.
Keep in mind that we are all products of our environment and training. The advisor’s job may be to present to you market sensitive investments, which come with market risk. This is where their experience may be strongest. They may not be trained in, or have expertise with, savings oriented products. Because they view the spectrum of risk and return from a market oriented perspective, all of the information they encounter in the financial services market place goes through their personal filter before it is processed. As a result the information they take in, and the information they provide clients, may be biased, that is, they naturally favor market sensitive investment products. What advisors need to remember is that they are working with your money, not theirs! A financial advisor should be fair and balanced in his or her approach to growing and protecting your money.
American Annuity Advocates brings educational information and perspective to consumers, in an effort to provide clarity which we believe they will not find from many other sources. Again, since no one cares about your money more than you do, consumers need to take the time to educate themselves about the decisions affecting their retirement nest egg. Stop, look, listen, and gain clarity, then choose the retirement savings options that are clearly right for you. You will not endanger your retirement savings if you act now to familiarize yourself with the array of savings and investment choices available to you.
Click here for introduction to annuities
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