FIXED INDEX ANNUITIES

Image FIXED INDEX ANNUITIES Secure a Portion of Your Retirement Assets As You Prepare For Your Retirement Future. PROTECTING YOUR RETIREMENT ASSETS

There are 4 potential risks during retirement:
  1. LONGEVITY RISK:  Due to healthier lifestyles and medical advances, average life expectancies have significantly increased over the past five decades.  Moreover, we don’t know how long we are going to live, and therefore navigating between spending our money and making sure our assets last our entire lifetime is a common concern.  Adding to the confusion is the reality that the longer we live, the greater the risk of stock market volatility, inflation, and increased health care costs influencing our financial portfolio (all important factors to consider when evaluating Longevity Risk).
  2. STOCK MARKET VOLATILITY:  Any monies invested in the market are subject to potential losses.  In the recent past, millions of retirees have been impacted by two major market crashes.
  3. INFLATION RISK:  Inflation is a serious reality and a constant economic factor.  The costs of goods in the U.S. become more and more expensive nearly every year.
  4. SEQUENCE OF RETURNS:  The simple fact is it is impossible to predict how the market will do when you start your retirement.  Beginning in an up market versus starting in a down cycle can have a major impact on how long your retirement assets can last.
Blue Star Consulting utilizes a strategy for clients to help address the above retirement risks:  sheltering your retirement portfolio within a FIXED INDEX ANNUITY.

Fixed Index Annuities offer stock market participation and the opportunity to accumulate interest based on changes in an external index, without being subject to negative market returns.  The benefits of index annuities are:
  1. SAFE ACCUMULATION:  Your principal and credited interest are protected against market downturns.
  2. GUARANTEED INCOME:  You can be fully protected from the possibility of outliving your assets with an income rider.
  3. TAX DEFERRAL:  Accumulated interest is tax-deferred.
  4. POTENTIAL INCREASING INCOME:  Fixed Index Annuities can offer the potential for increasing income over time based on market performance.
  5. POSSIBLE DEATH BENEFIT:  Fixed Index Annuities can provide death benefits in addition to income (if desired).
Blue Star Consulting has alliances with the top-rated life insurance companies in the U.S. specializing in Fixed Index Annuities.  Additionally, we only recommend fixed index annuity products which are managed by reputable firms (such as Goldman Sachs), and which offer niche index strategies for our clients.

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