As you look at your investment allocations, what is happening in the marketplace and in your own personal life, one product that is extremely popular is a guaranteed, fixed annuity.

These can be IRAs, 401(k) rollovers, or they can be non-qualified. We work with only the highest rated insurance companies and try to safeguard against the volatility of the stock market. If you were fortunate enough to ride the market up to its acclaimed, unprecedented high, wonderful. But, the adage, what goes up, must come down, will happen at some point.

This is not a scary thing. Our corporate returns are good, unemployment is down, but common sense tells us that there will be a market correction. If we are at a high, it only makes sense that, buy low and sell high, that you should be reallocating funds. At some point, gambling and speculation should be minimized for your own protection.

I have placed a huge number of clients’ hard-earned dollars in fixed, tax-deferred annuities very recently. The quoting process is easy. We look at the big picture, we discuss your budgetary needs and wants and your comfort level with everything you’re doing. If the numbers look favorable to you, you tell us how much you want to safeguard, and we start the process.

For instance, EMC National Life Company in Des Moines, over 100 years strong and highly rated, is offering a guaranteed principal, fixed annuity, tax-deferred rate of 4.2%. This is a very strong indicator that their financial forecast is in tune with what I just explained.