If you are saving money for retirement, and you are at all concerned about the safety of your money, watch this video to learn how you can be guaranteed to save, grow, and protect your money against investment losses, economic downturns, and excessive management fees.

As pension plans become a thing of the past, and as Social Security benefits begin to change, more of the burden for funding retirement is falling on you. Therefore, it is important for You to ask yourself this very question; 

How do you keep more of your money. . . Guaranteed, 100% Safe, and, growing with the ability to provide Guaranteed Lifetime Income During Your Retirement?"  

With A Fixed Index Annuity!

  1.  Annuities can provide safety along with a guarantee of principal in addition to your credited interest. 

  2. An indexed annuity allows for the potential of higher interest by linking, and not investing in a stock market index such as the S&P  500, the Nasdaq 100 or some other index an annuity owner may choose.

  3. Annuities can guarantee lifetime retirement income while returning any unused principal back to the annuity owner's  beneficiaries.   

What Are The Benefits?

Tax Deferral

Its tax-deferred status allows you to benefit from compounded growth.


Principal Protection

The original deposit will not decline if the index performs negatively. Please keep in mind, though, that all guarantees are subject to the claims-paying ability of the issuing insurance company.


Lifetime Income

A rider is often available for an additional cost to guarantee set payments regardless of how long you and your spouse (if elected) live. Or, get lifetime income through annuitization at no additional cost.


Earnings Credited

At the end of each term, earnings are credited; at that point, they may be affected by negative index performance. Earnings can, however, be limited by the policy's spread or cap rates. Some carriers may offer a feature that allows you to take advantage of index highs during your term.


Beneficiary Protection

You can pass assets to beneficiaries and avoid costly probate. Optional riders, available for an additional cost, can enhance the amount your beneficiaries may receive.


Spousal Opportunities

Most companies offer spousal continuation only upon the first spouse’s death and don’t pay a death benefit out until the second spouse passes. However, some carriers do offer a joint option that may cover the death of either spouse upon the first passing.



Growth potential can be achieved through the performance of the index or through a fixed interest rate earned on the fixed account — or a combination of the two. Your investment advisor can help you find the best combination for you.

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Financial 411, Robert Goldsmith, and Deanna Goldsmith are representatives of Financial Fitness & Insurance Servcies, LLC, a Nevada Corporation.  Robert has been a licensed insurance and financial professional since 1982 and is a member of the National Ethics Association and National Association of Professional Agents.  Deanna Goldsmith is also a member of the National Association of Professional agents and has earned her certificate as a National Social Security Advisor. Deanna Goldsmith has been a licensed insurance professional since 2003. Financial Fitness & Insurance Services, LLC, Robert Goldsmith, and Deanna Goldsmith do not provide legal or tax advice, any information perceived as legal or tax advice is purely consequential.  For legal or tax advice you should always consult a licensed tax advisor or attorney.