Description of key fixed index annuity benefits, including annual point to point, guaranteed living withdrawal benefits, tax deferral, lifetime income, portfolio optimization, principal protection, social security, fixed annuity, inflation protection, retirement plans, liquidity.

2. 2
RETHINKINGRETIREMENTAre you making the most of your retirement savings?
A common fear for pre-retirees and retirees is making
ends meet in the years to come. Social Security and
pensions aren’t always enough to cover ongoing living
expenses. And it seems that everyone has a way to
fix this. While this advisor or company suggests the
benefits of one strategy, that other company swears
by a completely different approach.
With all these retirement “solutions” out there, it’s
easy to get set up with a less-than-ideal-for-you plan.
The best retirement income strategy for you and
your family probably isn’t the one that works for your
neighbor, your brother, or your boss. You have specific
needs and goals for your retirement that will dictate
which strategy will provide you with a comfortable,
secure retirement.
GETTHEMOSTOUTOFYOURRETIREMENTPLAN
For those that are looking to protect their precious
savings, but still want the potential to earn interest,
a fixed index annuity may be a suitable solution. In
return for a either a lump sum or regular deposits,
these financial products pay out a specified amount of
income for a set period of time - possibly even for the
remainder of your life!
In the past, annuities have often been dismissed
because their returns can be quite low. But the fixed
index annuity gives retirees the chance to earn more
interest while keeping their capital safe. Keep reading
to learn how it all works.
INTERESTANDRETURNS
A regular fixed annuity bases its growth and its
eventual payout stream on a set rate of interest.
Based on the contract’s interest rate, this means the
account’s accumulation can be pretty slim.
A fixed index annuity, on the other hand, provides
additional benefits by linking interest accumulation
to an underlying reference or index such as the S&P
500. This way, an FIA grows along with market gains,
and has the potential to accumulate more than a
traditional fixed annuity.
But what about when the market performs poorly?
FIAs are designed to move only one way - up. Their
link to an index only reflects positive changes, so your
principal is protected and growth is optimized.
These hypothetical products were purchased on 1/1/1999 and the initial premium is $100,000. We are showing the annual point to point strategy (red line) with
a 3% cap. At the end of a 1-year term, a new annual cap rate is declared for the next 1-year term. We also show the monthly point-to-point strategy (green line)
with a 2.5% cap. The minimum guarantee (gray line) shows a market index scenario where no indexed interest was earned during the period shown.
$100,000
$157,581
$150,134
$50K
$75K
$100K
$125K
$150K
$175K
1999 2004 2009 2014
FIA with no indexed interest
FIA with 5.0% cap
S&P 500

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Furthermore, on each credit anniversary, the account
value is locked in, insulating both principal and that
year’s gains from potential market drops. Then,
next year’s potential gains are calculated off this
cumulative amount. This is called annual reset, where
an FIA is always building off the high-water mark.
ACCOUNTINGFORINFLATION
In addition to receiving s steady stream of income
during retirement, you may also need your funds to
grow in order to keep up with inflation. Unlike a CD or
fixed annuity, which offer a set rate of interest, fixed
index annuities can help you combat inflation with an
inflation protection option.
These options can potentially increase your income
stream by 1%, 2%, or even 5% over a set period of
time. So, as the cost of goods and services increase,
you’ll be able to afford them.
ADDRESSINGTHELIQUIDITYISSUE
One major objection that has surfaced against
annuities is the issue of liquidity. Maybe you’ve caught
yourself thinking, “If I deposit my life’s savings into
this product, I won’t have any access to them!”
This isn’t altogether true - your money is still yours to
use when you need it. In most cases, 10% of a fixed
annuity’s account value may be withdrawn each year
without incurring a penalty. Premature withdrawals,
called surrender charges, typically do include a
penalty, which is generally a function of just how soon
after deposit the withdrawal occurs.
In addition, most fixed index annuities have a
maximum of 10 years of surrender charges. After
these 10 year, unlimited withdrawals can be made
without incurring any penalty or charge.
TAKINGTHENEXTSTEPS
Planning for a steady and ongoing retirement income
can seem overwhelming. In the face of volatile
markets, dwindling Social Security, and overall
financial insecurity, you might be worried that keeping
your money safe and also allowing it to grow is
impossible.
A fixed index annuity might be your solution. If you’d
like to learn more about FIAs and how they can
aid in the comfort of your retirement, call us today
at 866.406.9492 to be connected with a financial
professional in your area.
Note: All returns shown above are annualized (geometric) rates of return. The S&P index returns are not meant to proxy for index mutual funds returns, which
would include dividends, expense ratios (the least costly have featured approximately 20 basis points per year), trading costs (another 30 basis points per
year), tracking error and taxes; rather they are to reference what happened to the most popular index to which many fixed index annuities are linked through
some formula.
All guarantees are based on the claims-paying ability of the issuing insurance company. Withdrawals / surrenders have the effect of reducing the contract
value and death benefit. Withdrawals/surrenders of taxable amounts are subject to ordinary income tax and if taken prior to age 59 ½ an additional 10% fed-
eral penalty tax. Although the contract value may be affected by the performance of an index, it is not a security and the contract does not directly or indirectly
participate in any stock or equity investment including but not limited to, any dividend payment attributable to any such stock or equity investment. There is no
additional tax deferral benefit for annuities purchased in an IRA, or any other tax-qualified plan, since these plans are already afforded tax-deferred status. The
other benefits and costs should be carefully considered before purchasing an annuity in a tax-qualified plan. The discussion of tax treatments in this material
is an interpretation of current law and is not intended as tax advice. Consult your contract and your tax professional. Product features many vary by state.
PERIOD S&PRETURN FIAAVG.RETURN RETURNRANGE
1997-2002
1993-2003
1999-2004
2000-2005
2001-2006
2002-2007
2003-2008
2004-2009
2005-2010
9.39%
-0.42%
-2.77%
-3.08%
5.11%
13.37%
3.18%
-1.05%
-1.47%
9.19%
5.46%
4.69%
4.33%
4.36%
6.12%
6.05%
4.19%
3.89%
5%
13%
8%
28%
13%
23%
19%
27%
36%
7.80%-12.16%
3.00%-7.97%
3.00%-6.63%
0.85%-8.66%
1.91%-6.55%
3.00%-8.39%
3.00%-7.80%
2.25%-6.83%
2.33%-7.10%

4. WealthVest
2485 Manley Road, Suite A, Bozeman, MT, 59715, United States | 877.595.9325
1302092
RPTTH0312
FIXEDANNUITIES
MAYPROVIDE:
WealthVest
2485 Manley Road, Suite A, Bozeman, MT, 59715, United States, 877.595.9325 12081