Never Lose Money In The Markets Again:


Protect Your Retirement Assets.

We all wish we could make money when the markets are up and avoid losses when the markets are down. Conservative and aggressive investors alike – nobody wants losses!

We want the best of both worlds. When markets are up, we want to stay invested with minimal risk and we want to protect our gains. However, it is tempting to let it ride just a little longer and to stay fully invested, often against our own, better judgment. It seems like a manageable strategy. The problem is that markets take sudden turns for the worse. Then, it can be paralyzing and difficult to minimize losses or perhaps to even get out at the right time. For many, it is difficult to consider changing course during these times. With retirement assets, a sudden move down can be very costly. Waiting for the markets to cycle back up again is a different experience at age 67 than it is at 45.

The Good news.

The best time to consider alternatives is at the top of a market cycle. Instead of being too heavily invested in equities that offer no protection, a balance of income generating assets and equities will protect your retirement assets from loss. These income generating vehicles are state-of-the-art, with indexes that participate in rising markets. Since they are not investments, there is no investment risk. Your principal and growth is always guaranteed. While there is nothing inherently wrong with risky investments; they should not be the foundation of a retirement plan. They are usually complicated and they guarantee nothing.

What I am asking you to consider are Fixed Indexed Annuities. Think of them as market indexed annuities because their returns are partially based on how markets perform.

“ROI is Reliability of Income in retirement, not Return on Investment. The goal of retirement security is achieved through a shift in focus from asset accumulation to asset protection.

Annuities are at least 200 years old. THERE IS NO LOSS OF PRINCIPAL which is the PRIMARY ATTRACTION of an indexed annuity. During the 2008 Financial Crisis and the Coronavirus bear market, none of our clients lost a dollar in fixed indexed annuities. Today, there are millions of indexed annuities inside IRAs and other retirement plans. People want gains when the markets are rising, guaranteed income for life and downside protection against all market risks.

The world’s leading economists all agree about the value of annuities in retirement. Consider what they say because they are unbiased and impartial. It makes no personal difference to them whether we invest our retirement assets in hedge funds or annuities. When Olivia Mitchell from Wharton (check out her incredible resume) says that annuities are key assets to own in retirement, she is saying so because she’s spent her entire career studying these issues. Nobody explains why mortality credits are the most valuable asset in annuities, better than Tom Hegna. When Professor Wade Pfau at The American College, or Roger Ibbotson from Yale write books about the advantages of annuities, their pro-annuity positions are credible because they don’t sell products.

Professor Pfau stresses that “investors typically fall into the ‘trap’ of depending on investment portfolios as the chief way to fund their retirement. Now, many of these folks in retirement find themselves needing a life raft…acquiring an annuity would have prevented such a dire scenario“, he argues.


What about the upside? Fixed indexed annuities have been designed to modestly beat the performance of other fixed income products and typically, they do just that. There are also times when they do much better. These are important years that really boost the overall performance. For example, many of our clients earned as much as 14% from January, 2019 to January, 2020. Those were extraordinary returns because the market was experiencing extraordinary growth during that same period. I will share more about how to maximize your gains when we speak.

More Good News: The gains credited to an annuity contract can never be lost. The upside potential of an indexed annuity is determined by the participation arrangement and caps selected at inception. You are protected by a contract, offering an additional level of security.

Personally, I do not like to hype the upside of market indexed annuities. We sell security, not securities. .

Let no one with a financial interest in your assets dissuade you from making a financially sound and prudent decision, especially one that may be in your best interest. When you move money away from stock brokerage firms or wealth management firms, they’re losing significant, recurring revenue that is earned from your assets. I have no problem with fees charged by professionals. But, it should come as NO SURPRISE if they make you second guess a decision to move your assets away from their firm. To keep this simple, if you pay an annual fee of 1.5% on $1,000,000 of assets, that is $15,000 per year, or $150,000 of your money over 10 years.

When markets tumble and the assets in your account go down, so too does the revenue for the investment firm and the investment manager that is managing your money. Can you trust the advice of an advisor who loses annual income if you liquidate or move your account? Is that structure in your best interest? Most investors are not aware of these potential conflicts and many are surprised when they finally understand them.

Who doesn’t want more guaranteed, lifetime income? Market indexed annuities and single premium immediate annuities will pay you for as long as you live, while indexed annuities guarantee the principal – forever. If the market drops 30%, you lose nothing. If you want certainty, predictable outcomes and no financial anxiety, this is for you.

“With a market-indexed annuity, you pay no commission from your assets. Instead of paying “forever fees” that are directly reducing your retirement fund each year, there are no annual fees*. The one-time commission is paid from the assets of the insurance company, never from your assets! The interest calculations, participation rates and all of the contract terms are regulated by the Department of Insurance in your state.”

*Some people choose riders that may have annual, disclosed fees.

Guaranteed annuities are ideal for those of us who can’t stomach the volatility while watching our retirement assets evaporate in a crash or during a bear market. Hearing an advisor tell you “not to panic” or “it always comes back, be patient”, doesn’t help. That’s never easy to hear.

From 2000 to 2020, there have been three major bear markets and if you owned a market-indexed annuity, you avoided all three. That’s “peace of mind” – not a dollar of loss over 20 years. Market indexed annuities are only available from major insurance companies because only insurance companies are financially strong enough to provide these guarantees. They face regulators and rating agencies each year with open books.

The numbers say it all. In the chart below, the market-indexed annuity has performed nearly as well as the S&P 500 total return index (including dividends). WITH NO RISK!

Are annuities safe? If you are a conservative to moderate investor, why not let a market-indexed annuity take some of the most important guesswork out of your retirement planning? When the indexes are up, you can make money. If markets crash or if volatility takes over like this year, you will never lose money. Keeping this simple, if you had put $500,000 in a market-indexed annuity in January or February of 2020, you still have $500,000 of principal today, plus possible gains. Your principal is always intact — always at the highest level it has achieved, called the high water mark! Let’s talk more about the advantages of keeping ALL of your “stacked gains” when we speak.

You want the best of all possible worlds.

What’s the catch? Since the insurance company guarantees to never lose your principal, they share in some of the upside, when the markets are up. For example, one possible choice is a 50% participation rate. If we assume the S&P moves up by 30%, you would receive a 15% return. If the S&P is up 8%, you would receive gains of 4% credited to your account. There are many possible participation rates and cap rates to choose from and this is where you want to be working with the best insurance companies and a professional with knowledge of indexing strategies. Please complete the following form to request a proposal and additional information.

“Don’t compare annuities to what might have been if interest rates had been higher, compare them to what is possible and available now. Now we are stuck with low rates. Trying to wait for rates to increase is going to eat away at your assets in the meantime, and there is nothing you can really gain from the effort. Low interest rates strengthen, not weaken, the case for purchasing a single premium immediate annuity.” Wade Pfau

Ken Fisher hates annuities. Why do some financial “experts” criticize annuities? Everytime a Ken Fisher client liquidates and moves money to an insurance company for the purchase of an annuity, Ken Fisher’s firm loses annual recurring revenue. Maybe that is why Ken Fisher hates annuities?

Which Is The Best Annuity?

There are thousands of annuities in the market and it is our job to know them and to know which one suits you best. To do that, we get to know your goals and objectives. Some contracts are too expensive and some carry hidden fees and charges. You want to make sure to buy the right indexed annuity from an experienced professional only representing insurance companies with high ratings.

Ready to start protecting your retirement assets and never losing money in the market again?

Contact us and allow us to answer all your questions? You have nothing to lose by taking a complimentary phone call. Time does matter. A low interest rate environment forces insurance companies to lower the rates for new clients. Safety is what drives their investment decisions and in order to properly respond to lower interest rates, they will change their offers accordingly.

Start the ball rolling and call us or fill out the simple contact form on this page or any page of the this site. We can be reached at 561-771-4647 or 561-869-4500

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Ted Bernstein

Dedicated to helping people create the ultimate retirement security and protection plan to safeguard their families and businesses. I stress guaranteed income solutions, indexed annuities and state of the art wealth preservation strategies. As the innovator of life insurance products without commissions, my recommendations are impartial, objective and always in the best interests of my clients.