Stocks go up 300 points one day.  Next day they go down 200 points.

Civil unrest in one part of the world causes oil prices to spike.  That causes gold and silver prices to skyrocket because of inflation fears.

Throw into the mix the uncertainties of a government mandated health insurance program, you don’t know what options you have for a stable and sustainable income. Often this leaves you having to take a deep breath whether you want to open your monthly statement envelope to see the realities of your investment after all of these market ups-and-downs.

So what to do?

A downturn in financial markets that hits right before or early in retirement can leave even conservative investors with far less money to draw from than planned.  With a shorter time span to recoup the losses, there is an increased risk that the nest egg they were counting on could run out. By putting a portion of their retirement funds in annuities, an investor can arrange for a more dependable income stream for life.

While you have many investment opportunities and options, annuities provide you with the best chance to bring stability and maximize your financial portfolio.

What is an annuity?

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. They are a popular choice for investors who want to receive a steady income stream in retirement.  You make an investment in the annuity, and it then makes payments to you on a future date or series of dates. The income from an annuity can be doled out monthly, quarterly, annually or even in a lump sum payment. The size of those payments are determined by a variety of factors, including the length of your payment period.  In fact, annuities can often become a lifetime income stream in retirement.

HomeWealth Financial Services can help you determine whether establishing an annuity account is the best way for you to ensure your financial future.

For Questions about Annuity Planning contact:

John Mendoza, 619-434-0011 , Hours 9am-5pm Mon-Fri.

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