Greetings!
Hi folks! It's time again for our monthly newsletter update. Kelly has continued to learn the business, and has been a great help in the office. Kelly and I just got back from a two day training trip to our institutional money managers (Global Private Financial Capital) down in Sarasota, Florida. As always, it was very educational and informative. Kelly attended some assistant training sessions, and I spent time with the CEO, VP of agent support, and the Chief Investment Advisor. I also spent time with our investment committee, and financial planning team, all of which were very informative and helpful. It's always a challenge to keep up with the ever changing financial world, but we're very fortunate to be partnered with some of the best financial minds in the business. A few months back I wrote about a new annuity program called the TVA Income Annuity. This annuity has a 10% bonus, a guaranteed income roll up benefit of 4-13%, income doublers for long term care, and since it's a fixed indexed annuity it is guaranteed safe. Also, the worst 10 year rate of return has been 5.08%, the average has been 7.76%, and the best has been 9%!! So, for those of you looking for higher potential rates of return with no risk, call us!! This annuity program has become very popular and is a good fit for many folks. Don't miss out; the information is free. We're just a phone call away. Enjoy this month's articles and happy Halloween!
Sincerely, |
Finding Higher Yields, In a 1% World
Lake Norman Magazine, October 2012 | |
Despite rock-bottom interest rates, you can still earn investment income of 5% - 7% per year and keep money flowing during retirement. Not so long ago, you could build a reliable portfolio of income-producing investments with just a few simple steps. Now, with the Federal Reserve stating that they will hold interest rates down through 2013 and possibly 2014, CD'S, savings accounts, money market accounts, treasuries, etc. just won't cut it at 1% if you need the interest to supplement income. Seniors have been hit especially hard in this current low-rate environment!
In my humble opinion, traditional fixed income portfolios don't work anymore, and if retirement investors don't start thinking differently, they're going to run out of money. Thinking differently, however, raises new challenges for retirement. Yields of 5% - 7% are attainable, but you have to think "outside the box" of what might seem familiar. One must always balance risk with return (risk adjusted return) when choosing income options. Attaining a 5% - 7% income flow can be done relatively safely when structured properly.
Read more...
|
The Forthcoming Presidential Election
|
With the U.S. Presidential election only seven weeks away, we recognize that investors tend to become increasingly concerned with the effect it may have on the U.S. stock market.
*Who will win?
*Will this be good or bad for the market?
*Is a Republican or Democrat good for business and the market?
*Will they fix the debt problem and our broken financial system?
Read more... |
Inflation: The Wolf at the Door?
| |
The expression "keeping the wolf away from the door" means that someone is making just enough money to live and eat - in other words, they are just getting by - but there's always the threat of impending financial hardship. So, who might be today's "wolf at the door" that could take away your ability to stay financially warm and well-fed?
In our opinion, Price Inflation has the potential to be the big, bad financial wolf. The danger that inflation poses to household prosperity is currently exacerbated by the Federal Bank's stated commitment to keep interest rates very low until 2015; the Zero Interest Rate Policy (or ZIRP).
Read more...
|
|
|
|
|
 | Follow us!
| Check us out on Facebook and Twitter to keep up to date on what's going on with us at the office and around Lake Norman!
|
|
|
