Frequently Asked Questions

Question 1

What is a fixed indexed annuity?

Accepted Answer

A fixed indexed annuity (FIA) is an insurance product that earns interest based on the performance of a market index like the S&P 500, while protecting your principal from market losses. Your account value can never go below zero due to market downturns.

Question 2

How do I protect my retirement savings from creditors in New Jersey?

Accepted Answer

New Jersey law provides significant creditor protection for annuity contracts. By placing assets into a properly structured annuity, you may be able to shield your retirement savings from creditors, lawsuits, and judgments under NJ statute.

Question 3

Should I convert my IRA to a Roth IRA?

Accepted Answer

A Roth conversion can make sense if you expect to be in a higher tax bracket in retirement, want tax-free income, or want to reduce required minimum distributions. Use our free Roth Conversion Calculator to model your specific situation.

Question 4

What is the 23% annuity bonus?

Accepted Answer

Certain indexed annuity products offer a premium bonus — meaning your account is credited with a percentage of your initial deposit on day one. For example, a 23% bonus on a $100,000 rollover means your account starts at $123,000, giving your retirement savings an immediate head start.

Question 5

How much does a free consultation cost?

Accepted Answer

Our initial 30-minute phone consultation is completely free with no obligation. We discuss your financial goals, current situation, and whether our solutions are a good fit for you.

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