Thank you for taking the time to view my web site. I am a California Investment Advisor and a California Financial Advisor that has been offering sound financial advice in California for more than three decades. As a CA Investment Advisor and a CA Financial Advisor, I’ve learned that there is no such thing as a perfect investment, i.e., an investment that, alone, can give you everything you need to achieve your savings goals. However, if the perfect investment were a “10” on a scale of 1 to 10, annuities would be rank somewhere beteen 6 and 7 I think.

In order to achieve a score of 10, the perfect investment would have to include all the features annuities offer, including Safety, Tax-Advantaged Growth, Yield, Liquidity, and Estate Planning Advantages. How do annuities, the “near-perfect” investment, stack up? Annuities offer Safety in spades. All fixed annuities have guaranteed rates, making sure that no matter what happens in the market, your money is safe. All annuities grow your savings tax-deferred. With tax deferral, you don’t pay taxes on your earned interest until you use the money. These are just a few of the ways annuities come close to being the perfect investment, and certainly trump current CD offerings in terms of Yield, while beating mutual funds in terms of Safety. (How nice would it be to participate in the stock market’s gains without putting your principal at risk? Equity-indexed annuities can do that!)

I would love to share with you how different annuities rank in each of these categories. Annuities offer unequalled advantages, and peace of mind no matter what phase of investing you’re currently in. If you’re accumulating funds for retirement, annuities can use tax-deferral to grow that money more quickly. If you’re nearing or in retirement, annuities can be converted to a guaranteed income that you cannot outlive. No other investment gives you that option.