What is the Difference? 

August 27, 2023

We sometimes are asked who a fixed indexed annuity might be a good choice for, versus who might be suited to a variable annuity. And to answer that question, our attention was drawn to a very simple article published by the Insurance Information Institute (Which you can read by clicking here).  In short, fixed annuities or fixed indexed annuities may be a good choice for conservative investors who value safety and stability, and those nearing retirement who want to shelter their assets from the volatility of the stock market. You should only consider a variable annuity, meanwhile, if you are

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Late Boomer’s Retirement

August 21, 2023

Late Boomer’s Retirement A study from the Center For Retirement Research looked into the decline in wealth for late boomers, and explored what may have contributed to it: “The results show that two factors were at play – a shift in the population towards lower-wealth households and, more importantly, a weakening of the link between work and wealth accumulation.”   This brings to light the need to examine alternative sources of income. Most individuals use their accumulated savings to fund retirement income, and if work is having an impact on that accumulation, it might require us to examine different savings options.

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It Isn’t Just About Savings

August 13, 2023

When we think of retirement, we often focus on how much money we have in savings. We often forget that retirement doesn’t necessarily mean having to deplete our savings, it means creating a retirement income strategy off of those savings. Call us, we have some ideas that could allow you to obtain an income stream in retirement you can’t outlive, and even leave something behind for your beneficiaries. We’re always here to help.

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Solid

August 7, 2023

We often look for ways to get a solid financial footing during the decade before retirement. For years, we save diligently and carefully follow a long-term strategy. But as retirement approaches, your priorities may shift. When retirement is on the horizon, pre-retirees may start to question the choices they have made. A loss of confidence in your retirement income strategy may cause you to act impulsively, or make emotionally-motivated decisions. Before you make any choices you can’t undo, how about you give us a call? We can help make sure you remain on solid financial footing. We’re always here to

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This site is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. The offer for sale of an insurance product may only be conducted in a state where the agent is licensed and the product is approved for sale. The providing of investment advice relating to securities may only be done by a properly licensed individual operating through a licensed affiliate entity, unless otherwise exempt. Comments about past performance are not to be construed as a guarantee or assurance of future performance. This website may contain concepts that have legal, accounting and tax implications. We do not provide specific legal or tax advice, nor promote, market or recommend any tax plan or arrangement. Consult a tax/legal professional for guidance with your individual situation. No representations are made as to the accuracy or completeness of the information contained herein or any information contained in any link provided herein, nor does a consumer visiting the website create an agent-client relationship.

Robert S. Messina, an Investment Advisory Representative (IAR), offers advisory services through Gibbs Wealth Management, an SEC registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Financial Resources Group and Gibbs Wealth Management are independent of each other. Insurance products and services are not offered through Gibbs Wealth Management but are offered and sold independently by Financial Resources Group and Robert Messina, CA License #0E88665 and FRG Insurance Solutions, Inc. CA Ins Lic #0K21118.

By contacting Financial Resources Group, CA License #0E88665 and FRG Insurance Solutions, Inc. CA Ins Lic #0K21118, you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.

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