Apex Financial Group of VA

03/11/2021

12/26/2019

“The insurance company makes all the money and I don’t.”
“I don’t have access to my money.”
“There are too many hidden fees.”

Are these some of the questions and doubts you have about bringing annuities into your portfolio? This article answers those questions, and if there are more you have, give me a call or shoot me an email and let’s meet!

Over the years, annuities have been misunderstood. Read here to discover seven common misconceptions!

12/25/2019

Merry Christmas from us to you! We hope it's been a Merry Good Year!

12/24/2019

Did you know if you’re not happy with an annuity you currently have, you don’t have to stay put? You can make a tax-free 1035 annuity exchange and trade in an entire annuity, or part of it, for a better annuity at a different insurance company. If that sounds like you, let’s get together to make a change in your portfolio!

1035 exchanges let you trade up for a better annuity or trade-in unneeded life insurance.

12/19/2019

When we’re talking about investments and cash flow, we’re not talking about the budgeting of your long-term plans. A budget is used to track expenses. Cash flow is really about strategically using money to not only live your life but to create more income sources for yourself. When you put your focus on cash flow, it solves a hundred other decisions.

The process is a lot like putting a puzzle together.

12/17/2019

Fixed Index Annuities are one of the more misunderstood annuity products. FIAs should be compared to insurance products, not investment security products like mutual funds. They allow clients to protect the principal of their investment in the insurance product while letting the annuity be credited with growth based on certain indexes like the S&P. Contact me today and let’s discuss how an FIA can help build your portfolio in the long-term.

Research has shown FIAs can outperform bonds, making them a solid bond alternative.

12/12/2019

Use annuities to help reduce the risk of running out of money in retirement! Annuities can help you generate a paycheck for life!

Insurance policies can be valuable tools for an investor to reduce risk.

12/10/2019

Immediate annuities are great for Estate Planning when funding life insurance or income for life. On the other hand, the immediate annuity can be the kiss of death — no accumulation, no lump sum access. In other words, your money is locked in time!

It can be comforting to know that you'll get a set amount of money each month to support yourself. What is an immediate annuity and is it right for you?

12/05/2019

There’s another social security scam on the rise — the Suspended Social Security Number Scam! As with most of these types of scams, they’ve chosen to target older Americans over the phone. They’ll usually call and tell you that your Social Security Number is suspended, or under suspicion, according to Robert Siciliano, a cybersecurity expert for ETF Managers Group in Summit, New Jersey.

"Any call that states your Social Security number is under suspension is a scam," he says. Thieves are hoping you'll be scared and turn to them when they offer help. "In reality, these scammers are trying to steal your information," Siciliano says.

Don’t fall for this scam so you can get your Social Security benefits in a timely fashion without any possible hiccups!

Follow best practices to keep your identity and savings well-protected.