“How To Get a 25% and More Return On Your Money Without Market Risk!”

Move your safe money into FIXED INDEX ANNUITIES.

WHY? Because Fixed Index Annuities in general have the following (I am not describing any specific company’s product):

 100% Guaranteed and insured against Principal loss
 Gains are captured at the end of each year forever
 No fees or costs
 Market index allocations that beat the other options
 Market growth without the possibility of market downside
 Liquidity-free withdrawals, withdrawals of gains, loans or surrender
 No tax on gains while in deferral
 Guaranteed lifetime income option after the deferral period, usually 5 years
 Can be lifetime investment plan in one contract
 Bonuses up to 25% of total value transferred to make up for losses or gains.
 No penalties or taxes on transfers of pensions/401(K)s

There are caps on gains and charges for early surrenders; however, that is the trade-off for the guarantees, bonuses and issue cost. Some companies limit participation in gains to less than 100%.

One last comment-- I remember, as many people do, the early 2000s and the agony we went through. We could not decide whether to:
1. Get out of the market and stop the losses
2. Get out of the market and miss the next upturn
3. Stay in the market and lose more
4. Stay in for the next upturn

Fixed Index Annuities avoid those agonizing issues. The older I get, the more important peace of mind is to me. I don’t want my hard-earned money to lose value ever again.

One retiree wrote: “I have five years to age 70 and Required Minimum Distribution of my 401K/Pension plan. A 10% bonus Fixed Index Annuity with five years of free withdrawals will bridge me to age 70. This product has peace of mind, flexibility and market growth. I am not an agent, but if I were, I would see this product as the next horizon for my client and me.”

We buy investments hoping for appreciation and hoping to sell before they depreciate.

We “buy” Fixed Index Annuities for life because our original premium/investment is guaranteed, our ANNUAL GAINS ARE LOCKED AND GUARANTEED, PLUS WE HAVE A GUARANTEED INCOME FOR LIFE OPTION WHEN WE ARE READY.

If you would like to learn more how ANNUITIES can help you live the life you wish to live in retirement, call me to set an appointment for a FREE no obligation planning session. During that session we work together to see if ANNUITIES are right for you. I will not try to sell you anything. You will not be allowed to buy anything. This session is solely for the purpose of answering any questions you may have and formulating a plan for your future financial success.

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Michael Lloyd, J.D., MBA
Financial Advice Specialists
Tesoro Financial
www.secureandsafeinvesting.com
(951) 765-7714