Carlton Financial Group - Insurance, IRAs, College Planning and more

How would you feel about investing all of your retirement dollars in the stock market? Most would not like the idea of potentially losing their money while others would believe they could beat the house. Personally, I am not comfortable allowing my hard-earned money to be subject to the rapid fluctuations in today's volatile market. If you were to tell your parents, spouse or friends that you were going to Vegas to play the odds, what would you expect their response to be? I would assume they would tell you that you're crazy, and I would agree.

However, what if you could change the odds? If you were to take $10,000 to the blackjack table and were guaranteed to earn at least 3% with the potential to earn up to 13-14% on every hand, would that change anything? My guess is that you would have to be paid to leave the table. Honestly, casinos cannot make money in this particular arrangement; however, there are financial institutions that are currently offering you this ability.

The above example is exactly what an equity index plan can provide when used correctly and with the right strategy. It is simply upside potential with no downside risk. Utilizing these types of financial products will become more common due to the crumbling financial institutions that offer the typical solutions. From 2008 to December 13, 2010 we have seen 314 banks fail, so it is no surprise that consumers need better solutions from more stable institutions.  Insurance companies have perfected risk management so why not utilize their expertise and strategies for yourself? Equity indexed annuities and equity indexed life insurance products have gained more market exposure over the last few years due to superior products that are offered by the world's most stable and secure financial institutions.

Aside from the benefits mentioned above, these plans offer a self-completing benefit in the event of your premature death along specific tax advantages that allows you to receive tax free income (at any time without penalties).  Inquire today about how you can gain the ability to lock in gains while protecting you against loss.