ADVISOR
FINANCIAL SERVICES
Colorado Financial Advisor
Annuities
Colorado Financial Advisor Annuities
|
|
Colorado Springs
|
No Load and Low Load Annuities We have no load and low load annuities from several excellent companies where you can save money by reducing or eliminating sales commissions and high exit fees and surrender charges. By eliminating sales commissions, more of your money goes into the annuity investment to work for you, rather than into the annuity salesperson's pocket. Big sales commissions will kill your annuity performance. Beware of big sales commissions on annuities and surrender charges they take if you want to get out. If you already own an annuity, we can explain how you can do a tax-free Section 1035 exchange of your annuity into a better product. Call us or click here for a Free Consultation on your annuity questions.
Fixed and variable annuities can help you achieve your investing goals in a tax-deferred product.
Annuities are issued by insurance companies and provide a tax-deferred vehicle for savings and a guaranteed stream of income during retirement. You can choose an income stream for a certain number of years or for life. Fixed annuities provide a fixed rate of return. Variable annuities offer numerous investment choices with a variable rate of return, tied to the stock market or bond market. Some annuities also offer long term care benefits.
You can buy a very good variable annuity named Monument Advisor directly from Jefferson National Life Insurance and pay no sales commissions and no surrender charges. Minimum investment is $25,000. It offers over 200 investment choices to suit your needs. We can answer your annuity questions. Contact us by phone or email for a free consultation.
Here are
some links for more information on the Jefferson National Monument Advisor annuity:
Monument
Advisor Investment Choices
Monument
Advisor Application Forms
For
a variable annuity, you will need someone to select and manage your
investment choices. Although many companies claim to have a wide
variety of investment choices in their variable annuity, upon a closer
look, this is often an opinion, not a fact. You need lots of
different asset classes for investment choices so that you can change
your investment selections when needed.
Some variable annuities offer many investment choices that are
all similar, in the same asset class, while not offering investment choices in
other asset classes that you may need. For
proper diversification and asset allocation, you need lots of different asset
classes to choose from, not lots of investments in the same asset class.
A side by side comparison of investment choices, sorted by asset class, is
needed to make a wise decision and avoid buying a bad annuity. If you prefer, you can reduce or avoid stock market investments by choosing
only bond market investments such as money market, short term bonds, government
bonds, corporate bonds, high yield bonds, strategic income bonds, foreign bonds,
emerging market bonds and global bonds. We can help you design a
diversified bond market portfolio of fixed income investments. This
provides great flexibility, allowing you to choose stock market investments for your
portfolio only if and when you want to. If oil and gas stocks continue to do well, you want to have an
energy investment to choose. If the stock market goes into a long decline,
you want to have a bear market fund to choose. Other sectors that are
valuable to have available are health care, technology, real estate, and
financial. International stocks and emerging markets are also good to have
on the menu of choices. We can help you compare annuities and avoid costly mistakes
before you buy. If you buy the wrong annuity, you may be trapped and find
you cannot get out for many years without paying a big penalty in the form of an
exit fee or surrender charge. Also beware of buying
annuities inside your IRA account. This is usually a very bad idea
since your IRA is already a tax deferred account. An annuity is also
tax-deferred so there is no tax benefit from buying an annuity in an IRA.
And the annuity allows you to invest as much as you want. But if you put
it inside an IRA, your annual IRA contributions are limited. CAUTION: Many
annuity companies have gotten into trouble for deceptive sales practices of
selling annuities for IRA accounts. This is driven by sales people eager
to earn a commission on the sale, without fully explaining the problems and
limitations they are causing for you. Beware
of annuity sales people working for commissions. As
a fee-based investment advisor and annuity advisor, we
can advise you or manage the investment
choices in your variable annuity for a low management or advisory fee.
We
work for you and advise you, as our client. Call
us or click
here for a Free
Consultation on your annuity questions. Thank you for visiting our website! |
FREE NEWSLETTERTerms
of Use No
Soliciting.
|
