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Meet with Scottsdale Financial Planner Steve Jurich - (480) 902-3333 Schedule Online
Schedule Online | Scottsdale Financial Planner Steve Jurich | (480) 902-3333

Sometimes the power of deferral can outperform investment gains, bonds, or bank accounts. Especially when planning for retirement.

We’ve all heard that delaying social security can result in a permanent increased payout of up to eight percent annually. Every year you get older and don’t take the income, your eventual income can rise. The income growth can be up to eight percent annually once you reach full retirement age!

The same dynamic is at work when you open the right kind of annuity –whether inside your IRA or not–even from a 401k rollover.

The secret is to find a NEXT GENERATION annuity that grows your principal according to an index, without a cap. When you find the annuity of your liking after comparing with a fiduciary advisor, you request what is known as a Guaranteed Lifetime Withdrawal Benefit (GLWB.)

This is an income “rider” that is attached to your principal-protected Next Generation annuity. The rider provides you with a very valuable benefit with regard to retirement. It guarantees a lifetime income for you and your spouse typically double or triple that of quality bonds–with no annuitizing required.

Your money still belongs to you and the insurance company does not keep your money when you die. Your high-quality Next Generation annuity from a one hundred year old A-rated carrier will guarantee that regardless of what happens with the markets, and even if your principal doesn’t grow as expected due to poor markets, your income still can rise and will pay you for life–even if the principal somehow goes to zero. You win either way. Actually, you win BOTH ways!

Here’s how it works:

Let’s say you are not yet retired and have access to your current 401(k) funds, an old 401(k) still floating out there, or a rollover IRA with a lump sum of $100,000 or more. Here’s what you do:

You simply initiate the annuity through an IRA paperwork transfer (we can help you with it–very easy) and then you defer taking the income for several years. Just like Social Security, your income rises every year you defer taking your income. With some annuities the effective growth rate can be 6%, 7%, 8% or more!

Deferring the annuity income rider works pretty much the same as deferring Social Security, with a key difference. With Social Security, the money is gone when you die. With the right Next Generation annuity, your money belongs first to you, and then to your heirs.

Here’s the bottom line:

We find ourselves in one of the worst interest rate environments for retirement of all time. The stock market is high, interest rates are low. You want a way to grow your income to fund your retirement fully, and without a hitch.

By using a bucketing plan where you secure your income with a Next Generation annuity and invest the rest in prudent dividend and growth investments, you can position yourself to have all of the income you ever need while growing your net worth.

Why risk all your money in the stock market, or settle for the lowest interest rates in a hundred years? Protect your principal, grow your income, and stop worrying about running out of money in retirement. Let’s get together for a free, no obligation review in Scottsdale.

Insure your income, insure your outcomes, invest the rest with purpose®

Key annuity tips:

–Never allow yourself to be pressured. If you are feeling sales pressure, get up and walk away
–Compare annuities with an Accredited Investment Fiduciary® and Certified Annuity Specialist®
–Understand, clearly, the differences between an immediate, variable, fixed, and fixed index annuity.

Annuity Basics

Annuity University

Annuity Buyers Guide

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