Fixed Annuities
Guaranteed interest rates for a stated period, with no direct stock-market investment — a predictable way to help grow a portion of retirement savings. Guarantees are backed by the issuing insurer's claims-paying ability.
Paramount Financial GroupAsset Protection & Annuities
Asset Protection & Annuities
Protect Your Assets. Protect Your Family. Protect Your Business.
At Paramount Financial Group, LLC, we are committed to providing our clients with the best insurance solutions to meet their needs.
✦ Fixed Indexed Annuities — Learn How They Work
15+
Years of Experience
500+
Families Protected
100%
Independent & Unbiased
NJ
Locally Rooted
Who We Are
Your Trusted Partner in Financial Protection
At Paramount Financial Group, LLC, we are committed to providing our clients with the best insurance solutions to meet their needs. As independent professionals, we work for you — not the insurance companies — so you always get unbiased advice and the best products available.
Asset Protection
Safeguard the wealth you've worked hard to build from market volatility and unexpected events.
Family Security
Ensure your loved ones are covered no matter what life brings.
Business Coverage
Protect your business and key employees with tailored insurance solutions.
What We Offer
Comprehensive Solutions to Protect & Grow
Indexed Annuities
Interest is credited based in part on index performance, subject to caps and participation limits — with a 0% indexed-interest floor, so index losses do not create negative interest credits. Contract value may still be affected by withdrawals, surrender charges, rider fees, and other contract terms.
Life Insurance
Protect your loved ones with term, whole, or universal life policies tailored to your family's needs.
Asset Protection
Preserve the wealth you've worked hard to build from market volatility and unexpected events.
Retirement Planning
Build a retirement income strategy that ensures you never outlive your money.
Business Coverage
Protect your business and key employees with insurance solutions designed for business owners.
How It Works
Understanding Fixed Indexed Annuity Bonus Credits
Some fixed indexed annuity contracts include a premium bonus — meaning your account may be credited with a percentage of your initial deposit. If you invest $100,000 in a contract with a 23% bonus, your starting account value would be $123,000, with no direct exposure to market index losses and tax-deferred growth. Bonus credits are subject to vesting schedules and surrender periods — the details matter.
Get the DetailsCase Studies
How We Help Clients Protect & Grow
$500K Rollover → Structured Monthly Income
A 62-year-old Cherry Hill couple rolled their 401(k) into a fixed indexed annuity. With a 23% upfront bonus credit, their starting account value was $615,000 — and they established a monthly income strategy backed by the insurer's claims-paying ability.
+23%
Bonus credit (subject to vesting)
Business Owner Repositions $800K for Creditor Protection
A Voorhees small business owner moved $800,000 into an annuity structure that may qualify for creditor-exemption protection under New Jersey law. Results depend on individual circumstances and applicable statutes. His savings continue to grow tax-deferred.
$800K
Assets repositioned
Strategic Roth Conversion — Projected $60K+ Tax Reduction
A Haddonfield pre-retiree used our Roth Conversion Calculator to model a phased conversion strategy. By converting over three years in a lower bracket, she is projected to reduce lifetime tax liability by over $60,000. Projections are estimates only and not a guarantee of tax savings. Individual results will vary.
$60K+
Projected reduction (estimate only)
Client Stories
Real Clients. Real Results.
Hear from South Jersey families and business owners who protect and grow their retirement savings with Paramount Financial Group.
I rolled over my entire 401(k) into an indexed annuity and received a 23% bonus on day one. William walked me through every detail — no pressure, no jargon. I now have guaranteed income for life and I haven't lost a penny to the market.
Lifetime income strategy established
I was skeptical about annuities — I thought they were complicated and expensive. William explained everything in plain English and showed me exactly how my money would grow. Best financial decision I've made in 20 years.
Savings designed to help protect principal from market index losses
As a small business owner, protecting my assets was critical. William found me a solution that shields my savings from creditors and still grows tax-deferred. He's been available for every question since day one.
Business assets shielded from creditors
My husband and I were worried our savings wouldn't last through retirement. After one free consultation, William put together a plan that gives us guaranteed monthly income no matter how long we live. We finally feel secure.
Retirement income plan covering 30+ years
I called three advisors before William. He was the only one who took the time to explain the difference between fixed and indexed annuities and helped me choose what was right for my situation — not just the highest commission product.
Right-fit annuity selected with no upsell pressure
After my husband passed, I had no idea what to do with his IRA. William was patient, compassionate, and helped me roll it into a safe annuity that now pays me every month. I'm so grateful I found him.
Inherited IRA converted to monthly income
Learn From the Experts
Free Financial Education
Watch our videos to learn how to protect your assets, maximize retirement income, and make smarter financial decisions.
How Much Monthly Income Will $500K Pay You For Life?
Discover how a $500,000 annuity can be structured to generate monthly income — and what factors, caps, and participation rates affect your payout.
Understanding Fixed vs. Indexed Annuities
Learn the key differences between fixed and indexed annuities and which one may be right for your retirement strategy.
Asset Protection Strategies for Families
Explore proven strategies to protect your family's wealth from market volatility, lawsuits, and unexpected life events.
I Want $500K at 65: The Annuity Math that Nobody Shows You!
The real numbers behind reaching $500,000 by 65 using annuity growth strategies — the math most advisors never put on the table.
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Fill out the form with any questions you have about finding the coverage that's right for you.