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Market Risk and Volatility

market risk

Overcoming  Market Risk and Volatility
Are You Comfortable with Risk?

Market risk and volatility can sometimes cause a phobia or even worse… Are you comfortable with risk?

Perhaps you have developed risk-a-phobia to investing, or the reluctancy to invest in yourself because of market losses and fear. There is a cure, and we have the prescription for retirement to help you overcome the fear and volatility of the unknown.

market risk
Market risk and volatility. Riskaphobia RX for retirement.

Permanent life insurance and annuities provide the perfect combination to help you guarantee that what you want to happen will happen. With these tried and true financial products, you can rest assured knowing that you and your family are protected, regardless of what happens in the markets.

In recent years Americans have been told that it’s more important to invest than to save, we’ve been told that the stock market is the only place to put our money. Unfortunately for many, this has resulted in losses that can’t be recovered.  What’s worse is when the losses come at or near retirement time.

Thousands of Americans have lost their entire retirement savings in the stock markets. Trillions of dollars have been lost in so called retirement plans. Sadly, these plans have no guarantees. IRA’s and 401k’s are totally at risk to the volatility of the markets. And to top it off, money managers and the financial institutions profit whether or not the investors make or lose money.

Market Risk Cure

Ironically, annuities are the financial product of choice for most pension plans. An annuity can offer benefits not found in other financial products. Though most people without traditional pension plans are unaware of how they work, annuities can play a major role in retirement.

You can develop a safe financial strategy for retirement using traditional fixed annuities that will guarantee your income and avoid market risks. Annuities can create a fixed stream of retirement income, starting immediately, or a guaranteed income in the future.

Life insurance can provide protection and growth. A traditional whole life policy from a mutual company also offers dividends. Though not guaranteed, most mutual companies have a 100+ year track record of paying dividends to their policyholders. Life insurance policies can be structured in many ways to help you reach your financial goals.

Together annuities and life insurance provide the perfect balance for retirement income. You can determine your exact income for life, so you can retire without the fear of running out of money. You can also rest knowing that your family and legacy are protected.

To learn more and get your Riskaphobia RX contact us today. Cure risk-a-phobia and retire on your terms.

If I can ever help you, your family or friends with financial planning, just let me know.

Until next time,
Barry Page, RFC
http://legacyinsuranceagency.com

Barry Page is a Registered Financial Consultant, Managing General Agent and Founder of Legacy Insurance Agency, PLLC. He helps clients with tax advantaged investment alternatives and specializes in showing families how to protect their assets, income and lives utilizing a macro-financial approach to planning.

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2016-03-28
By: Barry Page
In: Annuities, Financial Planning, Life Insurance, Money Solutions, Permanent Life Insurance, Retirement Income, Whole Life Insurance
Tagged: annuities, annuity, investing, life insurance, market risk, market volatility, permanent life insurance, retirement, retirement income, riskaphobia, saving, whole life insurance
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Writing On the Wall

"The current fiscal policy is unsustainable. We are heading to a future where we'll have to double federal taxes or cut federal spending by 60%." David Walker, Comptroller General of the United States "The fate of the world economy is now totally dependent on the stock market, whose growth is dependent upon about 50 stocks, half of which have never reported any earnings." Paul Volcker, 1999, former Federal Reserve Chairman "My friends, there is good news and bad news. The good news is that the full faith and credit of the FDIC and the U.S. Government stand behind your money in your bank. The bad news for you, my fellow taxpayers, is you stand behind the U.S. Government." L. William Seidman, former head of the Federal Deposit Insurance Corp. (FDIC) "In coming decades, many forces will shape our economy and our society, but in all likelihood no single factor will have as pervasive an effect as the aging of our population." Ben S. Bernanke, Chairman of the Federal Reserve System "Because the Social Security trust fund does not consist of real economic assets, we are left to rely on the federal government's future decisions to either raise taxes, reduce spending or increase borrowing from the public to finance fully Social Security's promised benefits." Paul O'Neill, former Treasury Secretary "As a nation we have already made promises that we will be unable to fulfill." Alan Greenspan, former Chairman of the Board of Governors of the Federal Reserve System

Readers asked…

How can life insurance help during retirement?

“Life insurance is a private contract between the owner and an insurance company. In exchange for a payment, the insurance company is legally obligated to provide you with benefits pursuant to the contract. Specifically, these benefits can be utilized to pay expenses for long term care, as a hedge against inflation, and as a regular, predictable, and reliable income stream for life.

It’s basically a private contract that allows you to have your dollars work harder.

The primary reason people buy life insurance is to protect their loved ones from loss, however perhaps it’s best kept secret is that it can be used to provide a steady, tax-free stream of income during retirement.

There are various types of life insurance: term, permanent, universal, variable and index. Each has its own benefits, and should be configured to fit your goals.”
~Barry Page

Contact Information

Legacy Insurance Agency, PLLC
2600 Government St
Ocean Springs, MS 39564
(228) 875-5545 phone

www.legacyinsuranceagency.com 

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