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Lately, as a Certified Senior Advisor, I am receiving a lot of calls for advice on protecting 401K and all retirement plans and how to STOP the stock market volatility (up and down         like a roll a coaster and just as scary), losses, and now fear of the coming recession risks and losses. 

 

The answer is a rollover to the newer type of annuities that guarantee a 10% bonus annually for 10 years on your initial amount, a one-time 20% rollover bonus with no stock market losses or recession risks, and guaranteed lifetime retirement income !! Athene Ins. Co. is rated A+ with 300 billion in assets and over 800,000 clients. The cost is 1% annually.

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Have you made 10% every year for the last 10 years !!!

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The chart below shows how to double your retirement income, guaranteed!

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All financial professionals agree that the diversification is the key to your lifetime savings (nest egg). If you know and fully understand the risks in the stock market and other risky avenues then financial planners investment advisors, stock brokers, etc. specialize in this area for the risk part of your nest egg. For the diversification of the other part of your nest egg, I specialize in only safe and guaranteed annuities. I analyze over 100 pages of facts, figures, and documents before advising so you can make an informed, educated, and intelligent decision. 

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Or Wait ... 8 years 

At age 73 and income doubles to $14,000. Remember ... you must start taking Required Minimum Distribution (RMD) income from your 401K at 73 or pay a 25% IRS penalty. 

Many clients use the guaranteed lifetime income towards constant expenses like property and income tax, homeowners/ auto insurance, Medicare, etc. so they don't have to take money out of the stock market/401K in a down market. 

A 65 year old couple now has a 50% chance one will live to age 93 and a 25% chance to age 97, (not counting Medical breakthroughs). A retirement annuity guarantees an income for life. This protects your past, present, and future financial health.

The bottom line is that you get a one-time 20% rollover bonus, a 10% annual bonus, both guaranteed, on your original amount for up to 10 years, and a guaranteed lifetime income for a charge of 1% annually.

When we are young and have a small pot of money we take risks (401K, Stock Market) for growth. When we are older and have a large nest egg$$$ most clients want guarantee's and safety NOT RISK!!! 

 Also, no stock market or coming recession risks or losses !!           

Do you realize all the money in your 401K is not yours? The government will take up to 1/3 of it for taxes            Don't wait until age 70 to gain only 8% yearly from age 66 on your Social Security when you can get 10% here guaranteed. Start your Social Security now!          

OR for those interested in cash accumulation, not income as above, there is a 10-year annuity that pays 11% cash bonus into the annuity and there is a 7yr annuity with the most recent 10-year growth annual average at 14.64% (not guaranteed) based on past performance. 

However..... Unlike the stock market all gains are locked in each year and can never be lost.  If the index accounts ever go negative you are guaranteed a 0% no loss and the cost varies from 0% to 1.25% annually.

This gives you up side market potential with no down risk!!!

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