Types of Annuities

 

• Multi-Year Guaranteed Annuity (Rates Vary)

• Immediate Annuity

• Fix Indexed Annuity

 

Who should consider an annuity?

 

• Looking for a better rate than a bank CD

• Growth is Tax Deferred

• Death Benefit

• Lifetime Income (rider purchase necessary)

• Beneficiaries can be listed

• Protection from Probate

• Protection from market risk

• Upside growth potential without downside risk

Protect Assets from:

 

• Cost of Long Term Convalescent care

• Cost of full time care in your home

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Can you protect your assets?

Yes, under certain circumstances, some assets can be protected.

 

• Evaluation of your current assets

• Work with client & Elder Law Attorney in developing a plan

• Crisis planning available

• Medicaid Title 19 - referral to Elder Law Attorney

Who should care?

 

• Retirees no longer contributing to retirement accounts

• Retirees in the distribution phase of retirement

 

How to we plan?

 

• Discovery phase (365 degree look at income & expenses)

• Evaluation of your current portfolio, risk, reward, fees

• Evaluation of your risk tolerance

• Evaluation of your current portfolio compared to your risk tolerance

• Comparison of current portfolio to recommendations made by Daphne Roberson and William Joseph Capital Management, LLC. 

• Reports showing income needs / longevity of assets