FamilyGuard360

Put capital to work. Keep options open.

Decide what different parts of wealth should do before evaluating fixed or fixed indexed annuities, retirement income, insurance funding, and the trade-offs involved.

Freedom now

Keep accessible reserves and near-term commitments in view before placing capital into longer-term insurance arrangements.

Income later

Evaluate fixed and fixed indexed annuities against income needs, existing arrangements, surrender periods, rider costs, withdrawal rules, and alternatives.

Purpose ahead

Coordinate insurance decisions with an investment adviser and estate counsel. Insurance is not direct market investing, and guarantees depend on the issuing insurer's financial strength and claims-paying ability.