Locations in Arizona, Oklahoma, and Utah
1 (800) 838-3079
If you have an annuity or another investment like an IRA or 401K, guarantee it to grow at 10% with your retirement income. You can reduce your risk from this roller coaster ride with the market. It’s time to take action. We can teach you about annuities, all from the comfort of your own home.
History shows that the U.S. stock market is quite resilient, often brushing off negative events after a short-term pullback. However, that’s not always the way it goes. In some cases, when the U.S. economy was already weak or other factors existed, these short-term reactions escalated into a more serious correction. The 9/11 attacks in 2001 and the Lehman Brothers collapse in 2008 are recent examples of crises that occurred around recessions.
These complicating factors make every crisis different and one of the many reasons why we are constantly monitoring the economy and assessing events that could impact our clients’ portfolios. We also encourage them not to put all of their eggs in one basket. While we’ve had a good run in the stock market, consider the benefits of a well-structured annuity for a portion. An annuity is the only product available that will guarantee an income for your entire life, many have low fees and they will all grow tax deferred.
Annuities are filed with and approved by state insurance regulators. Fixed annuities have NO market risk, and owners of fixed annuities do not participate directly in any financial market. Whether interest is declared in advance or determined by the performance of a market index, that interest, along with the premium paid, is guaranteed NEVER to go down because the markets do.
There are several variations of annuities. A fixed annuity provides a guaranteed minimum return by the issuing insurance company. A common guarantee on a fixed annuity may range between 2% and 6%. An indexed annuity credits interest based on the performance of a particular index such as the S&P 500.
Annuities can function as a strategic part of your retirement plan, helping you plan for financial challenges like rising healthcare costs and an increasingly unpredictable global market. Every retirement plan and retiree is different, with different personalities, goals and worries. Some people are more risk-averse, for example, or simply have fewer assets and therefore are less comfortable with putting those assets at risk. Other people truly love the process of investing in the stock market, or they have amassed enough assets that they are less worried about the risk, perhaps. You have to know yourself and what will make you comfortable, because who wants a retirement filled with worry?
Dave Ramsey is one of America’s most trusted voice on money and business matters. He is a personal money-management expert, radio personality, and author of numerous books. We are excited to be part of the SmartVestor program because Dave’s beliefs about financial education and retirement planning are rooted in the same beliefs as Trajan Wealth. By having the heart of a teacher, and not of a salesman, we dedicate the time needed to listen to your goals and educate you on your investment options.
CEO and Owner
*Annuity guarantees are based on the claims paying ability of the issuing insurance company. Any examples provided are hypothetical. Annuities are issued with prospectus and sales brochures and should be reviewed carefully before investing as features and benefits vary.