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Safe Investment Options


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We Believe in Safe Investments

Safety, Simplicity & A Reasonable Rate of Return are our 3 Core Principals at Retallick Financial Group. Too many times we have heard this story: My friend lost most of his retirement savings when the market crashed in (fill in the blank), and now many people are now wondering if there any safe investment options left?

Market fluctuations and even crashes seem to happen more and more often. Because of this, having your principal and interest protected is more important now than ever before. That is where Retallick Financial Group can help.

The products that we offer here at Retallick Financial Group do exactly that. You can rest easy knowing that when the market fluctuates you don’t risk losing all your hard-earned money. If you are looking for safe investment options, call us or fill out the form at the bottom to schedule your no-obligation consultation.

When you meet with Don, he will go over all the products that we offer, in simple easy to understand terms. All of our clients are unique and have their own set of priorities for retirement. We will work with you to find the best options for your retirement dreams and the safest way to keep those dreams and your principal protected.

Call us at (239) 444-5980 and learn about our safe investment options!

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Featured Articles

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Retirement Today

Retirement planning is more complicated than it ever has been. Traditional pension plans are disappearing or are already gone. The cost of healthcare has skyrocketed. Life expectancy has increased, and along with it, the need for more sophisticated retirement strategies. When you take all these factors into account it is obvious that more money is going to be needed for retirement and you now have a greater responsibility to save.

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Understanding Annuities

Annuities are can be an excellent retirement strategy, but what exactly are they? A fixed index annuity is simply a contract between you and an insurance company that may help you reach your financial goals for retirement. You pay your premiums like other insurance products, but in exchange the insurance company provides you with income. This can start immediately or sometime in the future.

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Fixed Index Annuity Roles

Insurance Company: This is the company that issues the annuity. The insurance company is responsible for backing the annuity’s guarantees.

Contract Owner/Annuitant: These usually are the same person, but they can be different. The owner makes decisions about the annuity, such as who the beneficiaries are.  The annuitant is the person whose life expectancy is used to calculate annuity payments.

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Benefits of an FIA

Understanding the benefits of a Fixed Index Annuity (FIA) will help you make an informed decision about whether they are right for you. These products offer tax deferrals, indexed interest potential and other optional benefits to protect you. Your retirement assets and income could be in a safer place with an FIA. Let’s take a closer look at these 3 key benefits.

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Tax Advantages & Deferrals

During the accumulation phase of your contract your fixed index annuity (FIA) offers a tax advantage. Any interest growth is tax-deferred. This is extremely beneficial if you purchase your FIA with after-tax dollars! This means you will only pay ordinary income taxes on your earnings, NOT on your premium payments, when you start to withdraw money.

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Indexed Interest Potential

Some fixed index annuities offer you a choice of indexes rather than just one. This means you have an opportunity to accumulate interest based on changes in one of these external indexes. You have the ability to choose the ones you want and you can determine the portion of your annuities value that you assign to each index. It is important to note you are not buying shares of any stock or funds.

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Available Protection Benefits

There are 3 important advantages of an FIA. One of those is the range of guarantees and optional protection benefits that are available. These benefits transfer the risk to the insurance company that has issued the FIA. This is a form of protection for your beneficiaries, your retirement income and your assets.

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Let’s get started planning for the retirement you deserve.

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