Your Money. Your Future.

Reasonable Rate of Return

Finding the Right Balance

How To Achieve A

Reasonable Rate of Return** During Retirement

One of our guiding principles at Cornerstone Wealth & Tax Advisory is to help clients achieve a long-term reasonable rate of return** while keeping their principal safe. Many retirees want to first protect their savings, then potentially earn a return. The good news is that both may be possible with the right strategy.

Where to Find RRR** During Retirement
Fixed Index Annuities (FIAs)

In the “golden years,” having balance in your finances is an important part of planning. For example, you’ll need to find the right combination of “risk versus potential reward” as well as “safety versus potential growth.” Thankfully, it is possible to have both a reasonable rate of return** and keep your principal safe from market risk. All you have to do is learn about these strategies, and decide which one is right for you.

You may have thought that the only secure place for your money is in an FDIC bank account (up to $250,000). Or, perhaps you like the security of a certificate of deposit (CD). However, both of these account types tend to have lower than market interest rates. In addition, any interest you earn in these types of accounts is taxable. This makes the net return even less. In contrast, we offer retirement products that have a reasonable rate of return** over the long term. In addition, the products offer protection of principal via insurance companies.

FIAs do not invest your money directly into the stock market. Instead, the insurance company issuing the FIA uses an index (such as S&P 500 index, for example) to track potential earnings. If the FIA index rises above a certain level, your account is gets interest credit. The calculation of your rate of return is based upon several factors.

These include, but are not limited to:

Term length of the annuity
Additional selected benefits
Amount of money used to purchase the FIA
Whether or not you have selected an income rider
Insurance company terms and conditions of agreement

Retirement, Your Way

Every client has their own story, goals, and needs. But one thing they all have in common: they want to protect their money while achieving a reasonable rate of return.** We use a risk analysis and an open, honest discussion to help you understand the choices available to you. If you want a lifetime income you can count on — without risking your principal to market loss — we’re here to help.

Your Money. Your Future.