Safety First

One of Our Three Core Principles

Where To Put Retirement Money to Protect Your Principal

Keeping your assets safe during retirement is essential.

People tend to be more risk-averse in their early working years. This makes recovering from losses easier. But, as you approach retirement, priorities usually change. People also tend to take fewer risks as they age. Our strategies help retirees choose where to put retirement money to protect it from loss. We also help you explore options to earn a safe retirement income.

The following three core values guide our strategies:

1.

Safety first

Protect your principal at all times.

2.

Keep it simple

Good retirement strategies don’t have to be complex.

3.

Reasonable Rate of Return**

You can earn a decent return on your money while keeping it safe

Creating A Secure Retirement Income

Many people invest in the stock market as part of their retirement strategies, including 401(k), 403(b), IRAs, and other vehicles. The goal is to save long-term for retirement. When approaching retirement, you become more dependent on your earnings and less on your job. Your money now works for you. So, what can you do to ensure a steady income when you retire?

Protecting Your Money

A retirement strategy must consider the safety of the principal. If your retirement will depend on income, this is especially important. We offer fixed Index Annuities and other life insurance products that can protect your wealth and those you love.

Retirement Income For A Lifetime Is Possible

Is tax-deferral possible on retirement funds? Yes, you can defer tax on your retirement income if you have the right strategy. A universal life insurance policy (IUL) can protect retirement income, for instance. The cash value of this policy is not taxed. So, an IUL policy can provide both tax-deferred income and death benefits.

Are Annuities a Safe Retirement Strategy?

Another safe option on where to put retirement money is a fixed indexed annuity (FIA). An FIA will protect your money even if the market falls. In addition, it can earn reasonable returns** over time. In a nutshell, the purpose of FIAs is to protect retirees’ money while earning reasonable returns**.

An FIA can also provide tax deferral. The tax implications of an FIA are different than those of mutual funds or certificates of deposit (CDs). FIAs are taxable only when the funds are withdrawn. Deferring taxes can help you accumulate wealth and set aside retirement funds in a safe place.

Options for Safe Retirement with Fraga Benefits Group

Fraga Benefits Group puts safety first. We are committed to helping you protect your retirement income. Our team will work with you to create a safe and effective strategy. Contact us to learn more options on where to put retirement money.