Our philosophy is built upon fundamental premises.  We understand and appreciate that clients dislike declines in their personal equity.  Accordingly, we believe that we can and, in fact, should assist our clients in such a manner as to provide adequate long term interest during any and all market environments.  Fixed Index Annuities provide opportunities for our clients to share in the growth of Market Indexes.   

The key tenets of our philosophy can be summarized from the following:

1.  We believe we have a responsibility to help retirees to preserve and grow their retirement assets regardless of market and economic conditions because we assist thousands of retirees that rely upon us each year.

2.  Fixed Index Annuities and Life Insurance products can play a vital role in our clients’ retirement plans; although making sure a policy is suitable is our number one objective.

3.  Our client’s best interest is at heart each and every time we make a recommendation to purchase or replace an insurance product.

4.  Active management is employed to protect our clients from competition, unforeseen health issues, and economic declines; as well as ensuring our clients’ assets are reviewed on an annual basis.

We believe that our role is not only to help our clients make money in appreciating markets but also to protect capital, particularly during market declines.  We believe that protecting capital is fundamental in a successful retirement plan.

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How Do I Protect Capital and Share in Appreciating Markets?

Utilize an Index Return Objective...

An Index Return objective, which seeks to provide a rateof return that will meet a client’s objectives regardless of the performance ofthe financial markets, stands uniquely apart from the relative return message conveyed by the financial services industry today.  For relative return oriented firms, success is measured on a relative performance basis against a benchmark.

An Index return is either positive or zero based upon the performance of an investment benchmark, or index, and are accordingly referred to index linked returns.  Market indexes available include: S&P500, Nasdaq100, Russell2000, DowJones30, and many more.

We do not cater to nor appeal to the cross section ofinvestors who are looking for that next “hot” manager, mutual fund, or investment.  Experience will teach such investor that pursuing the highest possible return is an exercise in futility and creates exposure to substantial risks.  We are more interested in identifying our client’s retirement objective and protecting capital, while providing a respectable rate of return to our clients.

In the end, the guru status of the manager or advisor is revealed to have been due more to taking excessive risk rather than to some prescient business or investment talent.   Based on our client profile, disclosure, and structured suitability review, our disciplined approach continues to provide the protection of capital and the opportunity to share in index linked market gains.