K2 is the “Savage Mountain.” At 28,251 feet above sea level, it is the second tallest mountain in the world. It's a meer 778 feet shorter than Mount Everest, but it is the deadliest mountain in the world to climb. One of every four who summit K2 dies, which gives it its reputation as “the mountain that tries to kill you.”
Ironically, it is the descent—not the climb—that kills most mountaineers.
So it is with your retirement money.
Accumulating wealth during your working years is one thing, but protecting your life's savings and making it last for the rest of your life is an altogether different strategy an expertice.
Perhaps IT'S TIME TO PIVOT YOUR FINANCIAL STRATEGY FROM ACCUMULATION TO DECUMULATION and lifetime income. Having a secure, tax-efficient retirement strategy requires a very different apporach than merely growing your retirement nest egg. A fixed indexed annuity can be a valuable part of an overall sound financial strategy. The right plan can provide you with income no matter what happens in the stock market and no matter how long you live.
You’ve got to do more. You need a guide.
Retirement Income Certified Professional
Preparing for retirement can be a challenging balancing act. Building and protecting your retirement nest egg can bring up some important questions.
Imagine you decided to climb a mountain. How would you prepare? Likely you would be very focused on the strategies for a successful climb, the materials you would need, and maybe how to take that amazing panoramic photo at the top. But how much thought did you put into preparing for the way back down?
Could a sequence of returns deplete your savings? When it comes to generating sustainable retirement income, many people only think of an average rate of return needed on their assets. However, what might be more important is not the “average” return but the order of the returns.
Are your retirement assets prepared for the next market downturn? Contact your financial professional to see how a fixed index annuity can offer upside potential with downside protection from market losses.
Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index
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