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Let’s revisit why to consider a fixed indexed annuity over a CD? Because of stock market volatility money needed in the short term could create a loss if invested in equities. Consider fixed rates for short term dollars. Conversely, because of interest rate volatility, money needed in the long term invested in CD’s may suffer inferior returns. Think upside potential for long term dollars. Here’s an idea using a fixed index annuity to take advantage of volatility to create returns while protecting principal from market risk:

Sam, age 66, has $100,000 in a 5-year CD that will renew at 1.17%

  •  If nothing changes, the $100,000 will grow to $109,752 in 8 years.
  • Consider allocating $40,000 in a fixed account that will earn about the same return as 100% of the funds deposited in a CD
  •  Place the remaining $60,000 in the S & P Annual Reset Point to Point (best case 5.75% return) and potentially have $95,718 in 8 years.

Contact Mr. Mark Gardner today at 214-762-2327 or email him at MarkGardner@RetireWellDallas.com to further discuss your personal issues and needs

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 Helping families with retirement & pre-retirement planning while maximizing your social security benefits: Annuities, Wealth Management & Life/Disability/Long Term Care Insurance.

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Local RetireWellDallas, Mark S. Gardner, Owner Completes Advanced Training from America’s IRA Experts at Ed Slott and Company, LLC Members of Ed Slott’s Elite IRA Advisor GroupSM Studied Latest Retirement Account Planning Strategies, Estate Planning Techn[...] Read More >>

Local RetireWellDallas, Mark S. Gardner, Owner Completes Advanced Training from America’s IRA Experts at Ed Slott and Company, LLC Members of Ed Slott’s Elite IRA Advisor GroupSM Studied Latest Retirement Account Planning Strategies, Estate Planning Techn[...] Read More >>


Using Your IRA for a Short-Term Loan Reported By Mark S. Gardner, 214-762-2327 For many Americans, their IRA is their largest asset. It is not surprising then that in times of financial trouble they may want to turn to their IRA as a quick source of cash.[...] Read More >>

Using Your IRA for a Short-Term Loan Reported By Mark S. Gardner, 214-762-2327 For many Americans, their IRA is their largest asset. It is not surprising then that in times of financial trouble they may want to turn to their IRA as a quick source of cash.[...] Read More >>


About Mark S Gardner

Mark S Gardner,
Managing Partner,
RetireWellDallas
International Plaza III
14241 Dallas Parkway, Suite 650
Dallas, TX 75254
Main: 214 775-1760
Mobile: 214-762-2327
Fax: 469-914-6088
Email:MarkGardner@RetireWellDallas.com
Website: www.RetireWellDallas.com


Mark Gardner on Willie Lambright Radio Show