Your Retirement Account's
FINANCIAL BEDROCK

Stewart Ogilby,
Sarasota, FL
(941) 545-3600

Stocks and mutual funds are "equities" that drop in value during stock market declines.

Older investors often lack sufficient time to recover financially.

Unlike the stock market, these BEDROCK financial products NEVER GO BACKWARDS to reduce the value of your retirement portfolio by even one penny!

Make them the bedrock of your longer-term (retirement) portfolio independent of buying and selling potentially higher yielding investments.

There are reasons why certain Wall Street agents prefer not to put assets into safe and secure long-term tax deferred financial products. Having money available to move in and out of "equities" facilitates generating future commissions for themselves and for brokerage firms.

For details of the huge financial advantage of tax deferral, CLICK HERE

In addition, using these financial products eliminates the terrifying Sequence of Returns, an issue that seldom gets the explanation it deserves.

Annuities are often poorly understood by responsible savers and investors who are concerned about their personal retirement, their family's security, and any generational legacy they expect to bequeath others.

These are not investments over which you will lose sleep. Persons with a high tolerance for risk, and persons addicted to gambling, find them to be as boring as watching paint dry.

Single-payment and flexible-payment fixed (and market-indexed) top-rated DEFERRED annuities are hugely important products that require accurate explanations, not sales hype.

THE FIXED DEFERRED ANNUITY
The page linked to above contains a general explanation of this often confusing, but very important financial product.

MOVE YOUR MONEY OUT OF BANKS
Leave enough in a checking account to conveniently pay ongoing bills. After chatting by phone we can, if you wish, sit down together and discuss your interests and those of your family, without sales hype. I prefer meeting face-to-face in lieu of "remote" (computer-based) contacts unless we are more than fifty miles apart.

I will not sell any variety of cash-value ("investment") type of life-insurance. If you own Universal Life-Insurance see the last five references listed in my book's Bibliography. I offer suggestions based on when you bought it, as well as an alternative to any "investment" type life-insurance policy. If owned, do not lapse it or "surrender" it to any life insurance company. If you live in Florida, call me. If elsewhere, ask your state-licensed agent to call me.

Guaranteed-issue Life-Insurance
When insurance against serious financial consequences of an untimely death is required, I urge low-cost term life insurance protection when qualified. You might be surprised and interested in this logical financial opportunity regardless of your current age or health.

If you want help in obtaining a functional Revocable Living Trust, or would like to have an existing trust reviewed professionally, something that I strongly recommend, I can refer you to an affiliated state-licensed estate planning attorney. If your legal residence is outside of Florida, I am probably able to refer you to one in your home state.

If you are a licensed Florida attorney interested in broadening your practice and desirous of ethically servicing additional clients, give me a call.

From 2004 until 2008, the year in which much financial damage occurred, Sherri, my assistant, and I introduced reverse mortgages in Florida. We traveled throughout the state appointing and training licensed mortgage brokers on how to use HUD's new Home Equity Conversion Mortgage (HECM) appropriately.

Creating secure lifetime financial positions for many previously hopelessly financially struggling senior homeowners, we assured for them the ability to comfortably live in their own homes over the long term and hugely relieved their increasing financial pressures. The reverse mortgage, when handled properly, can be a financial life-saver for many seniors.

For ethical sales persons, the pride and satisfaction in helping others outweighs any financial compensation.