Finn Financial Group
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About Finn Financial Group
The Finn Financial Group is a full-service, specialty planning firm with a commitment to ensuring the long-term financial stability of its clients.  We believe this can best be achieved through a stream of guaranteed , tax-advantaged payments carefully tailored to each individual's specific needs.  Our diligent work has resulted in a long list of satisfied clients across all lines of advocacy and a high degree of trust.
Contact Us
Finn Financial Group, LLC
260 Newport Center Drive, Suite 100
Newport Beach, CA 92660

Phone: 949.999.3322
Cell: 949.274.5485
Fax: 949.999.3375
E-Mail: [email protected]

CA Insurance License: 0A96173
Historical Perspective on Long-Term Interest Rates
Interest rates got you down? 
Are you holding off making financial commitments that are tied to long-term interest rates (i.e. structured settlements) because you believe rates are certain to bounce higher in the near future?
While it may seem sensible to stash your cash in liquid, low interest bearing accounts because you believe brighter days are just around the corner, history suggests you may be waiting for awhile.
According to data extrapolated from Irrational Exuberance, (Princeton, 2005), only three times since 1871 have long-term interest rates dipped below 4% and remained there for longer than a year.  Most of us were not alive in 1880 and 1924 when those first two situations occurred.  But 2008 delivered a dizzying reality check to all of us.  In October, 2008, long-term interest rates fell below 4% and have remained there since.
So using the past 138 years as a reference point, how long might we expect these rates to stay at these levels if history repeats itself?  Let's have a look: 
  • 1880:  Rates remained below 4% until 1911 - 31 years 
  • 1924:  Rates remained below 4% until 1959 - 35 years
  • 2008:  Rates may remain below 4% until (gulp) 2041? - 33 years ?!?!

Since no one can accurately predict the future, no one knows for sure how long interest rates will remain at these levels.  Sure, they could and very well may head higher.  But some historical precedent exists that leaves open the possibility we may need to get used to this new financial reality.

When Neil Young sang "Now that you found yourself losing your mind are you here again?  Finding that what you once thought was real is gone and changing?" he likely wasn't imagining the state of interest rates in 2009.  But he may as well have been.  Certainly what we all thought was real just a few short months ago is indeed gone and changing.  And if we are to keep from losing our own minds, the sooner we all adjust to the new reality, the better off we'll certainly be.
Please call anytime I can help and, as always, thank you for the opportunity to be of service!

Dan Finn, CPCU, CSSC
Certified Structured Settlement Consultant
[email protected]
Our Services

Finn Financial ServicesThe Finn Financial Group provides customized, guaranteed future income options and ancillary services to a variety of clients throughout the United States.  We pride ourselves on our commitment to the overall financial well-being of the individual. For a greater understanding of the services we provide, click on your area of interest.

For Injury Victims
We provide structured settlements for victims of personal, physical and non-physical injuries.

For Attorneys
We help attorneys meet their due diligence obligations, create and analyze proposals, conduct educational seminars, attend mediations, and structure fees - without any charge or out-of-pocket expense to the attorney or client.

For Insurance Companies
We assist insurance companies and self-insured clients by providing structured settlement illustrations and present value analyses, helping to present offers, and consulting with claims management.

For Business and Property Owners
We work with business owners, property owners, and those with certain other qualifying appreciated assets to defer capital gains in the selling process.

For Additional Services
We also offer life insurance, non-structured settlement annuities, retirement annuities, and much more.