When we’re in the workforce during our accumulation years, the last thing we want to see with our finances is too much stability. We want growth, and lots of it!

The chance for that growth is balanced against the risk of some losses. The goal, of course, being to see more gains than losses during those working years.

Because we expect to continue earning and to be contributing to our retirement savings during this time, we can offset a certain amount of losses in exchange for the chance of a greater return on our savings.

But during retirement, and even in the years shortly before we retire, we need to  preserve our wealth – decreasing our risk. We don’t want to face the same risks which would have been acceptable just a few years earlier.

Once we enter retirement, we don’t want to worry about having enough money to pay our bills, and to be able to participate in the activities we enjoy. At this point in our lives, we don’t have time to earn additional income to cover any losses.

One way to avoid those worries, and to have peace of mind instead, is to lock in guaranteed rates. An annuity is one way of doing that.

At Texas Financial and Retirement, we can guarantee* 3.60% income for 5 years.

Email  James Holloway Sr. at Texas Financial and Retirement  or call us at (903) 534-5477 today to schedule a visit and learn how we can help you have more certainty during your retirement.

Guarantees are backed by the claims-paying ability of Colorado Bankers Life Insurance Company. Annuities are designed for long-term accumulation of money; surrender and withdrawal fees may apply on early withdrawals. Annuity withdrawals are subject to income tax and withdrawals prior to age 59½ may also be subject to an IRS penalty. Colorado Bankers Life Insurance Company and its representatives do not give legal or tax advice.

Product features and availability vary by state and are solely the responsibility of Colorado Bankers Life Insurance Company1. Contract form series IIC17C-SPDACD and C-SPDACD, and application series IICl 7 A-SPDACD and A-SPDACD. Some exclusions and exceptions apply. Please refer to the contract for the actual terms and conditions that apply.

1 Rates effective as of March 19, 2018; rates are subject to change.

Not FDIC/NCUA insured • Not bank/CU guaranteed • Not a deposit • Not insurance by any federal agency CBLA5-1 a-12018

For more information, email us at bestclients@texasfinancialandretirement.com!