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Variable Annuities

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Variable Annuities often sound appealing, but the fine print tells a different story. While they promise market participation, the cost of admission is often detrimental to long-term wealth.

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  • The Fee Drag: Between Mortality & Expense charges, administrative fees, and expensive riders, you could be paying 2% to 4% annually. That means your account has to grow by 4% just to break even.

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  • The Principal Risk: Unlike other protected strategies, Variable Annuities often leave your actual principal exposed to market crashes. You risk losing your hard-earned savings exactly when you need them most.

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  • The Industry Reality: There is a reason this asset class gets bad press—it often benefits the salesperson more than the retiree.

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"We do not recommend this family of annuities. We believe your money should work for you, not for an insurance company's bottom line."

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You Don't Need High Fees to Get Growth
Try These Solutions Instead

Strategy A: The Roth Conversion (Tax-Free Control)

Instead of locking money into high-fee products, consider unlocking it from taxes altogether.

  • Keep Your Gains: With a Roth conversion, you pay taxes now (on your terms) and enjoy tax-free growth forever.

  • No RMDs: Keep control of your money. No forced withdrawals at age 73.

  • Legacy: Pass a tax-free inheritance to your children, rather than a tax burden.

 

Strategy B: Principal Protection (The Safe Bucket)

 

If you want safety, choose instruments designed for it—without the 4% drag.

  • Zero Downside: We utilize strategies where your principal is contractually protected from market losses.

  • Upside Potential: Participate in market gains up to a cap, without risking a single dollar of your initial deposit.

  • Low/No Fees: Many of our preferred fixed-index strategies come with zero annual management fees, putting more money back in your pocket.

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