basic living income protection





“Do you remember the childhood story of the Tortoise and the Hare? Are you the Tortoise or the Hare with your money?”


annuities – a tool for retirement income distribution and protection

  • Based on Math & Science
  • Guaranteed Income
  • Guaranteed Interest Rate
  • Name Beneficiaries
  • Bypass Probate Court

All guarantees are subject to the claims paying ability of the insurance companies.
The tortoise (annuities) may win in a race with the hare (mutual funds / stocks / bonds) for producing a reliable stream of income.







If you are considering an annuity, and need help understanding how they work, we can help. 828-274-1200

Let’s Revisit the Tortoise and The Hare Story…

What portion of your money is protected from a Direct Market downturn?

The story goes something like this. The rabbit and the turtle agree to a race. The rabbit starts out in a blaze of speed, gets way ahead but tends to go in circles, back and forth, and takes long breaks. The rabbit also goes backwards at times losing ground.

On the other hand, the turtle sets a course straight ahead and always goes forward at a steady pace and never goes backwards. He may take breaks and then resume the forward progress.

The tortoise, due to the steady progress and focus in the story, finishes ahead of the hare.

Why tell this story? The Tortoise is a fixed or fixed index annuity, while the Hare is direct market risk based tools like stocks, bonds, ETF’s, and mutual funds some of which can be found in 401k plans.

Many people will utilize all of these type financial products at some point in their lives. The key for many people is to know what is appropriate for their current circumstances? This may include income, expenses, healthcare concerns, and whether working or retired.

In a long enough race, direct market tools like stocks and mutual funds may win over annuities. But, that’s just it – do you have the time, or should you place all your eggs in one basket?

If you have an old annuity that was purchased some years ago, you may want to consider having a professional review of your annuity contract while revisiting your current goals. Use caution when considering a replacement of an existing annuity with another annuity. Contract specifics should be reviewed carefully resulting in a complete understanding of all financial terms.

In many cases the old annuity will have some favorable benefits that may be available in the contract language.

We will review your current annuity at no charge and with no obligation to purchase any financial products.