Periodic
Payment Annuities: These annuities are perfect for all ages, but thanks to
the power of tax deferral, the younger you are the harder your money works for
you. You choose to contribute monthly, quarterly or when ever you want into
this "flexible annuity." Pay as little as $50 per month or $1,000 per year
into your IRA annuity. Get in the habit NOW of systematically saving for your
retirement. Instead of just writing out bills to the phone and electricity
companies, write out the most important monthly bill--the one to YOU!
Multiple-Year Guaranteed Annuities: These annuities guarantee a
competitive interest rate anywhere from 1 to 10 years. Know exactly what you
will receive without worrying about a drop in interest rates.
Indexed
Annuities: Linked directly to the S&P 500, indexed annuities provide
competitive stock market returns while protecting 100% of your money. Avoid
not only market risk, but also loads and fees that come with IRA mutual funds.
You can even boost your savings by contributing small amounts each month into
the indexed annuity.
General
Deferred Annuities: Choose to invest from a variety of deferred annuities,
each featuring different surrender schedules and withdrawal features. FSD
analyzes your investment needs and match them with one of 60 deferred
annuities we have available from our 20 elite life insurance carriers.
Market Value
Adjusted (MVA) Annuities: When you invest in a deferred annuity, usually
10% of your account value can be withdrawn at any time without penalty. With
an MVA annuity, whenever more than the penalty-free withdrawal amount is
withdrawn, the company makes a market value adjustment to the amount withdrawn
to reflect changes in the interest rate environment since the policy was
purchased. The amount withdrawn is then adjusted, either up (if prevailing
rates are relatively lower) or down (if rates are relatively higher). In some
cases, if rates have decreased enough you can withdraw amounts far greater
than the usual 10% and come out well ahead.
Roth IRA:
This is an exciting new IRA that offers tax free earnings and no tax on
you future withdrawals. Subject to age 591/2 rules.