FFM - Annuities

“In the ever-changing world of financial services, it can be difficult to separate facts from sales hype. Recently, a lot has been published about the viability of annuities in general.
While some financial magazines and self-promoted 'market gurus' have attempted to discredit the concept, others continue to validate it as a cornerstone in the retirement planning process.

Our goal is to give you the straight facts and help educate you on the subject of tax deferred annuities before you invest your hard-earned dollars."

Mark R. Fielder
President, FFM, LTD.

What is a Tax Deferred Annuity Anyway?

An annuity is an account with a life insurance company. Under current law, your invested dollars accumulate and compound free from current income and capital gains taxation.

Providing you keep your annuity in force and do not surrender it, all interest, dividends and capital gains grow tax deferred until withdrawn. Upon withdrawal or annuitization, (usually at retirement) your earnings are taxed as ordinary income when you are likely to be in a lower tax bracket. Generally, withdrawals or surrenders prior to age 59-1/2 are subject to a 10% IRS-imposed penalty, plus ordinary income tax.

Tax-free Compounding Allows you to Grow your Nest Egg Faster!

Albert Einstein once said, "the greatest single force in the universe is compound interest." True as that may be, we believe an even greater force would be tax deferred, compound interest.

Therefore, investors who are looking for maximum growth potential without the constant drag of taxation, tax deferred, compound interest may possibly be the most important expression or concept you'll read on this web site.

Tax deferred compounding can make a difference in your retirement planning, especially if you have a time horizon of 10 years or more.

Unlike a taxable investment, the earnings from a tax-deferred investment grow or compound untaxed until withdrawn. Withdrawals are subject to income taxes when you decide to spend the money, but at least you'll potentially save the 30-40% you normally give up while the assets accumulating. Over a long period of time (10 years or more), this savings can be substantial.

Each of the four (4) links below will lead you to a VERY BRIEF discussion on each type of annuity.

Action To Take

If you would like to obtain general information about Tax Deferred Annuity Investing,
please click HERE to request your free Annuity Investor Kit.

Attention Registered Users

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Securities are offered through Girard Securities, Inc. member FINRA, SIPC.,
Mark R. Fielder, Registered Principal. CA. Insurance Lic. # 0690576.