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Sound financial investments
As you approach or are in retirement, protecting the savings that you worked so hard to build becomes as important as growing them. Many investors want the opportunity to participate in market growth without exposing their retirement assets to the impact of market downturns.
Gary DiBileo helps clients explore fixed and fixed indexed strategies that are designed to protect principal while offering opportunities for competitive growth. Depending on the product selected, clients may receive either a guaranteed fixed interest rate of return or interest credited based on the performance of a market index. While index-linked products are not directly invested in the stock market, they offer the potential to earn returns based on index performance, subject to the terms of the contract.
One of the key benefits of these strategies is that once interest is credited at annual contract anniversaries, those gains are locked in and cannot be lost due to future market declines.
This allows your account value to step up and never step back down, and to build over time while helping reduce the impact of market volatility.
These solutions help you:
• Protect your principal from market losses.
• Lock in credited interest each year.
• Diversify your retirement savings.
• Reduce portfolio volatility.
• Pursue long-term retirement goals with greater confidence.
• Lock in any gains being rolled in from outside accounts.
For clients whose goals and financial circumstances align with these strategies, Gary can review a variety of solutions from financially strong, highly rated insurance companies. Because he works with multiple carriers, recommendations are base on finding an appropriate product for your individual needs with companies such as Lincoln Financial, Nationwide Financial, American National, Farmer’s and Axonic AmFirst rather than promoting a single carrier.
Products are available without upfront fees and many offer no internal annual fees. Features, costs, and optional benefits vary by products and certain products may include premium bonuses or enhanced features. Consultation with Gary is at no cost or obligation.
If you’re looking for ways to help protect your retirement savings while maintain growth potential for after age 59 ½, Gary welcomes the opportunity to meet with you for a complementary no-obligation consultation. Together you can determine whether a principal-protected strategy may be an appropriate part of your overall retirement plan.
Gary has over 30 years experience helping clients with sound retirement-based investments. The public has trusted Gary to oversee the duties as financial watchdog over Lackawanna County finances as County Controller the past 15 years. Gary handles only financial appointments at his agency and his Administrative Assistant Nancy Noone works with Agency Financial and Life clients on a full-time basis.
Important disclosure:
While not life insurance, fixed and fixed indexed annuities are long term products offered through insurance companies designed for retirement savings purposes, they may be subject to surrender charges, withdrawal limitations, and tax implications for early withdrawal. Annuities are backed by the claims-paying ability of the issuing insurance company. Product features, rates and availability vary by carrier and contract.
