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“In all my 55 years on Wall Street, before I retired to do something vastly more important, I was never able to say when the market would go up or down. Nor was I able to find anybody on Earth whose opinion I would value on the subject of when it would go up and down.” Sir John Templeton 

Protect Your Retirement Years From The Predictable And The Unpredictable

Previous generations of hard working Americans had the luxury of having their retirement funded by guarantees from their employer and the government. A pension is a retirement plan where employers promise to pay a defined benefit to employees FOR LIFE after they retire. In the private sector, the 401K has largely replaced the traditional pension. Why? those 2 words......FOR LIFE! The risk is all on the employer in the pension fund. Now the responsibility of asset management and generating lifetime income falls on the individual.

“Teamwork is the ability to work together toward a common vision. It is the fuel that allows common people to attain uncommon results.” Andrew Carnegie

 In 1918, Andrew Carnegie created the Teachers Insurance and Annuity Association of America (TIAA), a fully funded system of pensions. The financial services company was founded with a $1 million endowment from the Carnegie Foundation. It is a for-profit financial institution that provides pension and investment services mainly for teachers and their families. According to its website today it has 1.3 Trillion in assets and 5,000,000 customers. If it is good enough for the Educators of America then maybe we should re-educate ourselves to change the perception of a grossly misunderstood product in the financial services industry: Annuity 

“No man will make a great leader who wants to do it all himself or to get all the credit for doing it” Andrew Carnegie

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Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.

Do You Know the 8 Timeless Principles of Investing?

This ebook outlines how to approach investing confidently, no matter where you are on your financial journey. These principles can take you through the highs and lows of the market.



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