Frequently Asked Questions
Tell me about safety proofing my retirement… Is there something better than stocks and bonds and/or variable annuities?
We think so. Programs have been developed to help people who are concerned about the uncertainty of the stock market while at the same time feel it is important that their monies can do well. In other words, “Prosper in an up economy and be protected in a down”.
These plans are best suited for retirement accounts such as Roth IRA’s, Traditional IRA’s and 401K rollovers.
The plans we favor possess the following benefits:
- All monies are 100% guaranteed
- There are no fees or sales charges
- All interest gains are linked to the performance of the stock market
- All gains are locked in annually and can never be lost
- Your account can only go up or sideways – NEVER BACKWARDS!
- Flexible income and liquidity provisions
How is this possible? It sounds too good to be true!
It is not too good to be true. These programs have been around for over a decade and attract billions of dollars annually because of what they do --- Potential and Protection.
- The potential of the stock market without the risk of loss
- Protection in the event of a downturn
How long have these plans been around?
Some of the plans have been around since the early 1990’s.
When did you begin using these programs?
We began researching them after 9/11. We saw that the most popular means of safeguarding retirement assets; Diversification/Asset Allocation, failed miserably in the downturn. A more effective solution of protecting people’s wealth needed to be sought out and I found the plans we are using today. We refer to them as Index Capital Appreciation Programs (ICAP) because it so accurately describes them.
- Monies are completely safeguarded
- Returns are linked to indexes such as the Standard & Poor’s 500®, Dow Jones Industrial Average™, NASDAQ 500®, etc.
- If the market goes up a client participates in the growth. If the market falls the account is preserved.
What are the fees associated with the programs you recommend?
There are no fees or loads associated with these programs. The respective companies make money by investing participant’s contributions into secure long term investments.
What are your fees?
We do not charge fees. Our compensation comes from the general accounts of the various companies we select for our clients – not from our clients' accounts.
Are you part of any other company?
We are proud to say we have no affiliation, in any manner, with any bank, brokerage firm or insurance company. We are completely independent!
- We serve no company
- We serve only our clients
Why haven’t I heard of this before?
We do not know for certain, but we personally believe the financial planning and brokerage industries want to continue to do business as they have for so many years. It is difficult for them to break the traditional approach of asset allocation which does not work in volatile times.
Who is best suited to these Programs? (Program Holder Profile)
- People with long-term planning objectives
- People planning for retirement
- People who do not want to lose
- People who cannot afford to lose
- People who want the opportunity for their monies to do well
- People who have IRA’s, Roth IRA’s or 401K monies eligible for rollover
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