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Retirement MasterClass - Annuity Misconceptions vs. Realities

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Yavapai College

1100 East Sheldon Street

Room 19-215 (Library)

Prescott, AZ 86301

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THE TRUTH ABOUT FIXED INDEX ANNUITIES
Misconceptions vs. realities

When it comes to annuity products, fixed index annuities (FIAs) have been around for a relatively short period of time. Created in 1996, FIAs are insurance products, not investments, that offer the opportunity for some interest potential while protecting against market risk. However, as with many new ideas misconceptions abound.

That is why we’ve developed a special Retirement Master Class that has already helped nearly 70,000 people nationwide navigate the fixed index annuity maze.

Our class will equip you with the most up-to-date and comprehensive information regarding FIAs, topics we will discuss include:

  • What is a fixed index annuity?
  • How do income riders work?
  • Who carries the risk for these products?
  • How do insurance companies make money?
  • How do premium bonuses work?
  • What kind of money can be placed in a FIA?
  • What happens to a FIA when I die?
  • What type of fees/charges are associated?
  • How can I access money in my FIA?
  • How can I choose an annuity that’s right for me?
  • How can I upgrade an annuity I currently own?

The reality is, with the volatility of the financial markets in recent years, combined with the limited availability of retirement income sources such as pensions, Americans have a greater responsibility to prepare for their futures.

FIAs can be a great addition to an overall retirement income plan, but they’re not right for everyone. Purchasing an annuity is an important decision—and one that should be made only after consulting with a financial professional.

Using the information learned during this class will better position you to determine for yourself if FIAs should be a part of your own successful retirement strategy. One that can potentially safeguard you from market downturns and outliving your money.


FREQUENTLY ASKED QUESTIONS

1. Is there a cost to attend? No, there is no cost to attend.

2. Do I need to bring anything? No, you will be provided with all course materials and a pen.

3. Will any investments or investment products be discussed? No. This class is focused on a broader view of FIAs. As a service to you, we will mention the top selling, highest rated, and largest premium bonus annuities currently available and discuss how they work.

4. Will I be pitched or sold anything? No, this is an education workshop. You will be given the opportunity to schedule a complimentary visit to discuss if FIAs are right for you.







Victory Wealth Services is a trade name used by Victory Wealth Services, LLC. and Victory Insurance and Financial Services, LLC. We are an independent financial services firm helping individuals create financial strategies using a variety of investment and insurance products and services to custom suit their needs and objectives.

Securities and investment advisory services are offered through Victory Wealth Services, LLC. a registered investment advisor. Annuities and insurance products are provided by various insurance companies and offered through Victory Insurance and Financial Services, LLC., a licensed insurance agency, doing business as Victory Wealth Services in Arizona. Product and feature availability may vary by state.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information provided shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Any references to protection benefits or steady and reliable income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products or services. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF



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Yavapai College

1100 East Sheldon Street

Room 19-215 (Library)

Prescott, AZ 86301

View Map

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