Are You Hungry...
For Safe Money Investment Alternatives?
Welcome to ANNUITY MENU!
This is the world's first Internet Money Cafe specializing in profiling world class fixed annuity products offered by name brand, large, national and international insurance carriers with proper ratings to assure your confidence. (Ratings have changed a lot and we only represent firms that remain highly rated)
We have some specials for you to consider the next time your CD comes due and the bank mumbles out the new renewal interest rate to you, sincerely knowing -- it is one of the lowest in history! (We assume you are here because you can't live on a CD anymore that pays 1.02% APR!!!)
We want you to have a chance to see the FULL MENU of popular, yet safe fixed annuity options now available to you. That way, when the bank starts talking to you about insurance company annuities as an aalternative to low interest paying depository products you have that come up for renewal, you will have something to compare with. And perhaps, we will become your alternative source to do business, especially when you discover we can provide greater choice in options, terms, and companies, then your local bank. Since we are brokers for some of the top rated companies in the world, you will gain access to products with feature that you really want, not what the bank pushes as an alternative to their low paying CD's!
DO STOCK BROKERS MAKE YOU BROKER?
Lately, it is a good argument. A lot of them have dropped out of the "biz" because they just can't take the depression that comes with extreme capital loss's in client accounts. Or, being called vicious names or having their lives threatened. All because they either let anyone with money become their client, or they took in good clients yet failed to educate them on the true risk of the portfolios picks they made for you.
Of course, some are victims too of two distinct scenarios. The first is the mortgage crisis. Those packaged derivatives sold to banks by brokerage firms backfired and took a lot of good brokerage houses down because of it. But most brokers were not guiltless in selling mortgage backed securities to their clients. Using the excuse "who knew poor people with stated income loans would default on their large mortgage loans?" doesn't hold any water now. People with bad credit given big home loans without the income to pay them back was a disaster we all are paying for now. And in the midst of the mortgage arena, the U.S. government was the chief quarterback in this crime spree that all but ruined our home values for many years to come!
But, back to YOUR stock broker. If you are doing really well this year and for the past three years, leave this website. You are extremely and magically blessed and the information we have ready for others just isn't of any value to you. For the other 99% of you that are not as well off today as you were in May, 2008 -- we know by now you have already had that "little chat" about how you don't want to loose any more money. Some of you have had more than one chat on this subject. And others, have switched stock brokers since 2008 because of losses, and you still have had to have another "little chat" with your new broker about money down the drain you don't see coming back anytime soon. (Note: Most brokers still adopt a long term outlook and their commentary goes something like this -- "it will always come back" and "this is a long term program and the market always comes back")
Yet, you still sit with less money today then you had a few years ago and are still waiting...
So, be extremely careful when that same broker switches gears on you and suddenly recommends fixed annuity options as an alternative in order to keep your money "under management". (That's how they talk about your money when you aren't around) Again, in the securities firm environment, many stockbrokers will only show you what they want to sell you. If it is a proprietary firm you most likely will be shown only their proprietary insurance products. And that could mean you will get stuck with something you don't really want. You also could get stuck with a high commission product that does more good for the stockbroker as your salesman -- then what it can do for you.
WHO PUSHES YOUR BUTTONS?
Pushy salesmen are notorious for making sales by making you feel guilty if you don't buy from them. They base their presentation on feelings mostly instead of logic. Doesn't it make sense to hold off buying anything in this day and age of electronic "instant" access on the internet - until YOU have had a chance to compare any particular product someone "pitches" to you -- with other fixed annuity option products they may have neglected to show you?
So, if you get a pushy salesman, push them out the door before they get going -- as they have the ability to transform a bar of soap into a 10 oz. bar of gold. But, you will soon discover what seemed like gold, was THEIR dream, not reality and definitely, not logical. They will sell you the highest commission product which means it often, is the worst product because it wasn't designed for you, but for them to keep driving the fancy vehicle they pulled up with!
I don't think you will argue that it is a bad time to go it alone regarding protecting your hard earned savings, or adding to your savings if you aren't quite at retirement age yet. Regardless of where you are -- accumulating or withdrawing -- new fresh ingredients (options) are always going to be on the menu in the Internet Money Cafe. And qualified professional, experienced representatives are an email or phone call away to help answer any questions you may have with no obligation or cost either. Sure, we hope you discover our firm is a fresh alternative to the normal "dribble" you may be getting from your local financial advisors. After 36 years, our firm is tired too of the same old thing when it comes to annuity product sales. Hungry salesman pushing high commission products only without giving YOU the proper choice of ALL valid products that meet your criteria and financial profile.
ARE YOU READY TO DO THIS YOURSELF?
Maybe it is time to fire the stockbroker and do this yourself. It isn't rocket science. And, believe us, it is much easier than trying to cut your own hair! Every portfolio should have a certain portion invested more aggressively in order to try to obtain a higher reward, regardless of your age.
But, the majority of most baby boomer (or older) portfolios is often heavily weighted into risky investments that are not watched closely. So, they often disappoint on a long term basis, and don't grow because of losses that always hurt performance, especially large losses like we have had the past few years in equity type investments.
Which brings up the question posed here. Are you ready to do this yourself? Are you now at the right place at the right time to investigate and find alternatives investment options yourself, and not just rely on some overpaid advisor to "tell" you what you should do?
We hope so. In a time period where fewer safe options exist which can still pay a reasonable rate of return as well as return all of your principal invested, we have something for you. Additionally, we sponsor and profile tax-deferred FIXED ANNUITY (known as FA's) and FIXED INDEXED ANNUITIES (known as FIA's) so that YOU can determine when you pay income tax on your earnings.
Note site is under construction!!! Check back soon!
Disclosure: This information is general in nature, it is not specific investment advice. FSI is preparing to become an investment advisory firm to serve a national clientele we have established with other financial services. Any product we profile in our "inside" pages are represented with a guarantee of principal based on continued holding until maturity of the annuity contract as well as the assumption the carrier remains highly rated as it was at inception and that it continues in business in order to provide any and all product or company guarantees.
Further, we disclose that even with proper management an equity based investment plan may not have defense against price drops or other circumstances that can reduce prior gains as well as deplete original principal invested. If you desire investment advice or an investment advisor, we recommend you seek proper professional help in that regard. Financial Strategies, Inc. and it's staff is NOT an investment advisor or investment advisor firm at this time though we plan to be shortly as an Arizona governed Registered Investment Advisory firm.
Also, under recent SEC scrutiny of FIA products and insurance carriers, changes are present in what can be said to convince a client to reduce stock market type investments (variable investments) and invest the money into fixed investment products such as insurance company sponsored annuity products. In fact, certain legal cases to date would lead one to assume that it is against the law to recommend that you convert an equity based investment into a fixed investment product. This could be deemed "investment advice".
For that reason, we do not recommend you replace any equity based product with a fixed investment annuity product we may offer on this site without first analyzing your own situation and risk tolerance levels which will help you understand the full value of a fixed annuity or fixed indexed annuity product such as what we offer on this site. Then, you can dictate to us as your new insurance company brokerage firm what products you want or at least, what features you want so that we may suggest a certain product from one of our highly rated carriers. Though we do not agree with these recent rulings and how the SEC may interrupt what is investment advice, we clearly state here that the consumer has to decide for themselves without our input, the true value of conversion to safer fixed investments such as fixed annuity products so we are not giving "investment advice" per these new rules.
However, we also will soon be a registered investment advisory firm so that we can break free of these recent developments and discuss and recommend ANYTHING we feel will best suit you as our online (or local) investment client. Lastly, we openly state that investment advisors (RIA's) don't get paid to loose equity based investment money and have high incentives to do a better job then most commission based stockbrokers who currently are trying shirk their fiduciary responsibilities while still pushing commission based advice that lately, has hurt a lot of clients by not understanding how the investment field has changed forever after the crash of 2008.
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Last Site Update: 01/20/2012