We are Insurance Brokers that only do Safe Money Retirement Planning.
We are not Registered Advisors. We will never put you in the stock market.
We work with Indexed Annuities that are tied to the market you choose, but you are not in it.

We Specialize in Indexed Annuities which are tied to the market you choose but not in the stock market. You go up when the indexed market goes up and if the Index Market goes down in any percentage your account will stay the same.
Most Indexed Annuities do not have a Fee.

Once you turn on the income stream you have options. One of the options is that you will Not Out Live your money. Because if you do outlive your money the payments will keep coming. If God calls you before the money runs out, the remainder will go to your loved ones.

Retirement Money is too important to be gambled with. You worked too hard for it.
Call us for your Complimentary Consultation. (949)432-4777

This is how Indexing works:
There is usually a Cap on the interest you can earn.  Lets assume the Cap is 10% what ever the market your indexing does if its up the cap you will get what ever it performs up to the cap.  If it goes above the cap. you only get the cap only.  However, if Market crashes you never lose anything.  And when the stock market starts recovering your account will increase from the point you were before the crash happened.   
The other way is Indexing. You get the upside without the downside. Some of the Growth Indexed Annuities allow you over 100% Participation. This means if your Indexed Annuity offers a 105% participation and the market does 10% growth you will get 10.5 (10 x105%=10.5)
Some Indexed Products offer a bonus depending on how long you plan on waiting to retire.
 
There are only 2 Reasons to do an Indexed Annuity:
1) To Never Outlive your Retirement Income.
2) To Avoid Market Crashes.

If your 10-20 years of retirement you should call me for a complimentary evaluation. If you have a 401K 403B, IRA, Roth IRA, or money in the stock market, let's look at the worst scenario and plan for the best plan that will fit your retirement goals. Another reason to look at Indexed Annuities is outside of a pension and Indexed

There are many categories of annuities. They can be classified by:

✔ Nature of the underlying investment – fixed or Indexed-

✔ Primary purpose – accumulation or pay-out (deferred or immediate)

✔ Nature of pay-out commitment – fixed period, fixed amount, or lifetime

✔ Tax status – qualified or nonqualified

✔ Premium payment arrangement – single premium or flexible premium