Fixed Annuity, Annuities

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Grant Wm. Davis President	GDI Insurance Agency, Inc 801 Geer Rd, Turlock, CA 95380 888-991-2929

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Annuities Are Great Financial Tools! With Great Tax Advantages.
I have been selling Fixed Annuities To my clients for over 27 years!

Here is what just one of my clients has to say!

“We have been a client of Grant Davis for almost 27 years now. Years ago Grant helped us set up our retirement plan using Annuities. This week we reviewed our account values with Grant and compared them to the projected values Grant had done for us years ago when we started saving for retirement. We have more money in our account than Grant said we would have. AndNever Risked A Cent! If you are like us, and want a good return with out market risk I would recommend talking to Grant about your retirement plans, or anything to do with saving money securely.” Manual & Janie Corriea, Turlock, CA

The Best Thing You Can Do Is Get All The Facts, and Review Them With Your CPA And Family. This is just an overview of annuties in general. Each company, and every annuity is very different. Fixed Annuities, and Fixed Indexed Annuities do not have market risk. They usually have a minimum guaranteed interest rate, and allow you to participate up to a certain level with the index gains, while shielding you from the losses. I like the ING indexed annuity. A copy of their brochure is included with the power point below.

Do not buy any finacial products without reading all the material and disclosures. I recommend that for most client that they review the material with their CPA, and for senior citizens have their children come to the appointments and understand everything also. Annuities might not be right for your but I have seen annuities help hundreds of my clients over the years! Please call me to set up a personal appointment with your family, and or CPA.

A Fixed Annuity Is Not Subject To Market Risk.

For A Power Point Slide Show On Fixed Annuities
Click On This Overview Below

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First I would like to say that in over 30 years as an insurance agent and broker, not one of my clients has lost even 1 cent of their retirement money they invested in fixed annuities. Not one cent. The average return using one of my clients I did the retirement planning for 27 years ago has been just over 6%. When they come to my office they bring the original proposal I did for them all those years ago, and are elated that they have more money in their plan, than I had projected they would have. I have wondered why people take risks with their financial plans, when without risk they can achieve their objectives! Don’t take my word for it! Here is what this one client had to say about the work I did for their family. I have lots more to share with you! “We have been a client of Grant Davis for almost 27 years now. Years ago Grant helped us set up our retirement plan using Annuities. This week we reviewed our account values with Grant and compared them to the projected values Grant had done for us years ago when we started saving for retirement. We have more money in our account than Grant said we would have. And Never Risked A Cent! If you are like us, and want a good return without market risk I would recommend talking to Grant about your retirement plans, or anything to do with saving money securely.”Manual & Janie Corriea, Turlock, CA While annuities have played an integral role in retirement planning throughout most of the last century, a new report reveals that the average consumer is now ten times more likely to read information designed to discourage annuities rather than endorse them. The market study completed by Annuities Institute included the analysis of more than 500 popularConsumer articles on financial planning and annuities. From the review, 93 percent of the documents researched contained inaccurate and damaging assessments of how annuities work within retirement plans. The Annuities Institute research included compiling the most common misconceptions published on annuities, and then sharing them with professional planning advisors and retirement specialists nationally. Their comments and input were then compared against consumer satisfaction surveys sampled from a base of more than $500 billion of annuities sold to consumers between 2001 and 2005. Among the top negative press strategies and fallacies recorded: Myth #1: Every Annuity Is a Variable AnnuityVery often, the risk properties of the variable annuity are incorrectly referenced on behalf of all types of annuities, undermining consumer knowledge and confidence in non-security-based investments such as fixed and immediate annuities. The strength and security of these annuities are not based on stock market performance however, and offer guarantees through fixed minimum interest rates and future protection against loss of principal and earnings. Myth #2: Your Insurance Agent Isn’t Qualified to Offer Financial PlanningSome investment managers will diminish the value of annuities on the grounds that the insuranceRepresentative does not need a securities license to provide investment advice. A securities license is only needed, however, when selling speculative investments where the potential for loss exists. Many insurance providers focus on fixed and indexed annuities for retirement where loss to principal and earnings is not an option for their clients. They also undergo continual training and professional courses year-round to improve their knowledge. Myth #3: Fixed Annuities Will Never Outperform InflationThe fixed annuity offers security in knowing you are guaranteed a set interest rate over a specific period of time, and is often used to give long-term investments more growth return and tax advantages over CDs. Some investment advisors are against fixed annuities because of their perception of future inflation. They feel that some risk must be taken to grow savings to maximize personal wealth. For investors who cannot afford to lose any of their life savings, though, risk should never be a substitute for long-term planning and new income generation. Myth #4: Annuities Are All About Penalties and Surrender ChargesLike the 401(k) and IRA, the annuity takes advantage of special legislation passed by Congress that provides incentives for individuals to save more money for their retirement. The long-term savings approach allows annuity providers to offer higher interest rates, guaranteed security, tax-deferred accumulation, and positive planning benefits for tax and distribution planning. No one would typically write negative articles about how an IRA or 401(k) incurs unnecessary penalties for accessing money before age 59 ½. Annuities are designed to provide long-term security, and the knowledge that a lifetime of savings will not be diminished due to unforeseen factors. Myth #5: Commission-Based Planners Must Be BiasedIt wasn’t all that long ago that fee-based planning was created by financial firms to ease client fears of non-objectivity. Their goal was to maximize medium-term earnings and residual income, while having more control over client investments. Ironically, many within that field do not even actively represent or sell fixed, indexed or immediate annuities for retirement purposes, even when safety and risk tolerances A frequent caveat found within tips on how to qualify your financial advisor is to automatically disregard anyone who ever recommends an annuity within an IRA. The exception to this, of course, is when safety is paramount and loss to principal is not an option, and the annuity offers a higher rate of return than other forms of investment. Many fixed and indexed annuities outperform other non-security investments while removing risk to principal and savings. Myth #6: Only Deal with Big Names You Are Familiar WithWhile people typically gravitate toward big companies with names that are instantly familiar, brand visibility doesn’t automatically mean the best rates, service and performance. Restrictive affiliations and objective advice do not normally go hand-in-hand, as it can limit the guidance you receive for key financial decisions. Make sure the planner you select is not restricted in the advice and recommendations they can make to you. Myth #7: Only Deal with Registered Investment AdvisersSome of the criticism of annuities comes from professional asset managers who earn their commission as a percentage of the total money they manage and keep at risk for growth. Many of them often forget that every investor is not after great wealth within the stock market, and too often seniors are talked into placing their money in vehicles that could instantly reduce their life savings. There is a significant difference between the professional investor who wants to aggressively grow their million-dollar portfolio, and the retiree with $150,000 that will likely need every dollar and more to get through their retirement without outliving their savings. Myth #8: Indexed Annuities Are Often Sold InappropriatelyThe opinion of many stockbrokers is that indexed annuities are often sold inappropriately to seniors, as they limit the total earnings an investor can receive during upswings in market performance. The indexed annuity was purposely created, though, as a hybrid investment that combines the growth potential of the stock market with the safety features of a fixed annuity. While potential upsides may be capped at 7 percent to 12 percent, an investor never has to worry about losing their life savings, and typically has several options by which to guarantee minimum interest rates paid regardless of performance. As far as suitability goes, according to consumer data from the National Association of Insurance Commissioners, in 2004 equity indexed annuities reached sales of $23.3 billion, with only 38 closed complaints nationally, or $614 million of sales for each complaint received.

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GDI Insurance Agency, Inc
      801 Geer Rd, Turlock, CA 95380
            888-991-2929

Life Insurance

From GDI

Here is what just one of my clients has to say!

A Fixed Annuity Is Not Subject To Market Risk.

For A Power Point Slide Show On Fixed Annuities
Click On This Overview Below

GDI Does More For Its Clients!

GDI Insurance Agency, Inc 801 Geer Rd, Turlock, CA 95380 888-991-2929

Life Insurance

From GDI

Here is what just one of my clients has to say!

A Fixed Annuity Is Not Subject To Market Risk.

For A Power Point Slide Show On Fixed Annuities Click On This Overview Below

GDI Does More For Its Clients!

GDI Insurance Agency, Inc
801 Geer Rd, Turlock, CA 95380
888-991-2929

For A Power Point Slide Show On Fixed Annuities
Click On This Overview Below