Annuity Watch USA

Everywhere we turn we hear the warnings of the coming fiscal cliff. It's the top story in the news. The financial world is on fire. Wall Street is holding its breath. Businesses are scrambling to protect their assets from the "imminent" fiscal cliff. What exactly is this "fiscal cliff"? Is it just a bunch of media and political hype? Or should you be concerned and trying to protect your retirement savings from financial disaster? Safe Money Talk Radio's Cathy DeWitt Dunn explains how to protect your retirement assets from the fiscal cliff with tax deferred annuities. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

The financial world has changed, no question. And, when it comes to annuities, this is a great thing! Insurance companies have listened to what consumers are truly looking for and have created a fantastic product –– the fixed index annuity. A fixed index annuity combines the good qualities of all annuity types while getting rid of the bad. It’s truly a retirement income-planning product that answers the needs of modern day retirees and soon-to-be-retirees: control, growth, income, and safety.

A fixed index annuity is the only asset in the world that provides a contractually guaranteed lifetime income. A bond can’t do this. A Certificate of Deposit can’t do this. A Money Market account can’t do this. Owning stocks can’t do this. Listen in to learn how Cathy and Matt can help you structure a portfolio of fixed index annuities that allows you to control your assets…and helps secure your retirement future. An annuity portfolio can be customized to provide a smart blend of: Guaranteed Income. Your income stream starts whenever you choose to turn it on –– be it tomorrow, five years, ten years or twenty years from now. Principal Guarantee. You can take the fear of market downturns completely out of the equation. Coupled with the guaranteed income stream, you will not run out of money during your retirement years. Liquidity.  Just about every annuity plan we offer allows you to access up to 10% of your premium, penalty-free. In addition, there are options available that offer complete liquidity with 100% return of any remaining premium. Once you’ve listened to our podcast, be sure to contact us today to schedule a time to discuss your custom annuity portfolio plan. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

In this week’s edition of Safe Money Talk Radio, Cathy delves into the change in demographics from the 1980’s to now…and how upcoming events can put today’s baby boomers at risk. $6.5 Billion is out of the market on the investment sidelines The impact of rising interest rates on the bond market Retirement solutions designed to protect and growth assets…despite volatile market conditions Cathy specializes in growth and income annuities –– flexible, high quality fixed income products that provide growth, principal protection in addition to an income stream you can’t outlive. Contact us today to order your custom Growth & Income Annuity Plan that shows you the top 3 income generators tailored specifically to you. Plus, your custom plan brings the power of accumulation to life…providing a clear understanding of how your income can continue to grow during your retirement years.

For over 25 years David Letterman’s Top 10 lists have consistently proven to get some good laughs about topics of the day. Now, Cathy and Matt turn the top 10 upside down with a hilarious look at “The Top 10 reasons you should never ever consider purchasing a fixed index annuity.” Listen in now! To learn more about how fixed index annuities work, be sure to watch our video series, Securing Your Retirement Future. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Imagine if you never got a raise from age 30 to 65.  That’s 35 years –– just about how long most people will enjoy their retirement years. Zero raises would be unacceptable during your working years. Not getting a raise to fight inflation is just as unacceptable during your retirement years. But, that’s basically what you are signing up for if you settle for an annuity that offers a static guaranteed lifetime income – but no growth component while you are taking income. In this segment of Safe Money Talk Radio, we feature a fascinating behind-the-scenes look at income and growth annuities with special guest, Dan Slater, FSA, MAAA. Dan is an actuary who has helped design some of the best Income and Growth fixed index annuity options on the market today. Along with Cathy, Dan explores the fixed index annuity options baby boomers have that can “give them a raise” during their retirement years. Without a doubt, baby boomers need a retirement income solution that grows the income stream over the course of a lifetime to help offset the cost of inflation. That’s why at Annuity Watch USA we focus almost exclusively on Income AND Growth guaranteed retirement solutions…where the income component of your annuity actually increases as you age. We’d love to talk with you more about whether it makes sense for you to convert a portion of your savings into an income and growth-generating annuity. With thoughtful and careful planning we can help you stop worrying about your retirement security, and instead, focus on enjoying a secure retirement. Call us today at (866) 904-4700. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Guaranteed annuity? Not so fast... With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on the surface. If you are looking for a guaranteed, static annual income –– that will never grow over time –– one of these plans may be right for you. But, maybe not. Most baby boomers we talk to, however, are looking for a retirement income solution that grows the income stream over the course of a lifetime to help offset the cost of inflation. That’s why at Annuity Watch USA we focus almost exclusively on Income AND Growth guaranteed retirement solutions…where the income component of your annuity actually increases as you age. When you look deeper into the “8% Compounded Rate of return” solution you’ll discover: The 8% guaranteed rate of return is simply a growth value for future income. It is not “growing” the value of your principal. You are locked in forever… You cannot change your mind and walk away with an 8% gain. There is no a death benefit – you will not be able to pass money on to your heirs. While an 8% compounded rate of return income annuity may make sense for some people, it certainly does not make sense for everyone. It is critical that you look at all your options, side-by-side, and get the facts before you make a decision. Contact us and/or schedule an appointment today for a free evaluation for Income AND Growth. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Cathy and Matt discuss the seven biggest retirement fears faced by seniors today…and how a fixed index annuity may be able to help you sleep better at night. According to a recent poll, the following rated as the top seven retirement fears of the baby boomer generation: Inflation Healthcare costs Running out of money Falling home values Investment losses Living longer than expected Forced retirement Take action today to help mitigate these fears. Call us to learn more! Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

For many Baby Boomers looking towards retirement, Social Security is top of mind. Is it better to starting taking it as soon as possible? Or is it better to delay? We think a better question to ask yourself is…do you want to risk having to depend on it? If you keep up with the headlines, the news isn’t good regarding Social Security’s long-term stability. This means that you need a Plan B…and we have some answers. Listen in on this week’s Annuity Watch USA podcast for safe money strategies that help you generate dependable lifetime income without any of the risks of Wall Street. Take control of your retirement future! Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

If you are over 59 ½ or are approaching this milestone, let Cathy and Matt show you how a fixed index annuity can help you be prepared for your retirement years. Join in and listen to this week’s podcast from the Annuity Experts at Safe Money Talk Radio and Annuity Watch USA and learn: How to access and take control of your 401k assets when you reach 59 ½ How to protect your savings from stock market downturns Why retirement income planning is important How to survive the financial roller coaster and be prepared for the future Which fixed indexed annuity is right for you? Contact us today to talk with Cathy about protecting your retirement savings. Or, request a free Income for Life Illustration today to find out––without a doubt––how much all or a portion of your hard-earned nest egg can generate in guaranteed lifetime income. Click below to listen in! Subscribe to our podcasts via iTunes Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.