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Our Three Core Principles

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Our 3 Core Principles

We believe that the three main components to protecting your retirement income are:

  • Safety first
  • Reasonable rate of return**
  • Keep it simple

Aim to achieve all of these elements: safety (even in the event of a market downturn), a reasonable rate of return,** and simplicity. If you’d like to learn more about them and how you can achieve them, reach out to us today.

During your working years, you might have been fine with letting all of your money sit in one market investment for an extended period of time. But as retirement draws closer, your thoughts on the subject may change. The market has its “ups” and “downs”: this is fine, especially when you have time to wait for an “up”. But, as you get older, you no longer have time on your side. If you suffer a loss during your retirement due to a market downturn, you might not have the time to recover. So, in our opinion, safety should be your top priority.

A reasonable rate of return** is achievable with the right retirement income strategy, and obtaining it should be your next priority following safety. It’s crucial that you continue earning interest at a reasonable rate (over time) on your retirement savings. You don’t want to run out of money in retirement.

Putting your retirement income strategy together can seem complex. But, it doesn’t have to be! Your strategy should not only protect your money and earn you a reasonable rate of return,** it should also be simple and easy to understand. You deserve a strategy that gives you confidence and a sense of security.

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You Have Options

Thankfully, you don’t have to choose between these three values. Strive to have all three. To learn more about the products we offer, please contact us. Certain life insurance and annuity products allow you to protect your principal and still achieve a reasonable rate of return over time.** There are more benefits to choosing life insurance products or annuities for retirement, too. So, you may want to consider one of these options as part of your retirement income strategy. Reach out to us to learn more.

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Reach Out TO Us Today:

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*Backed by the claims paying ability of the carrier.
**Fixed Index Annuity products can provide a reasonable rate of return over time.
***Proceeds from an insurance policy are generally income-tax-free, and if properly structured, may also be free from estate tax. Income-tax-free distributions are achieved by withdrawing to the cost basis (premiums paid), then using policy loans. Loans and withdrawals may generate an income tax liability, reduce available cash value, and reduce the death benefit, or cause the policy to lapse. This assumes the policy qualifies as life insurance and is not a modified endowment contract. The Host and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction. This content is not intended to serve as the basis for any investment or purchasing decisions, nor does it recommend or involve the purchase, holding, or sale of a security.  All figures herein are hypothetical and for illustrative purposes only to explain general concepts.  No figure is to be relied upon as being accurate nor a guarantee or projection and is meant only as a partial overview of some relevant features and benefits of general insurance products that may be in the marketplace, and whose availability will be dependent on the State of residence of the consumer, and their individual suitability for the product they are wanting to purchase. Where insurance products are mentioned, any and all guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

By contacting Robert Messina CA Insurance License #0E88665 / FRG Insurance Solutions, Inc. CA Insurance License #0K21118 you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.

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