Unlock Larger Monthly paychecks Without Giving Up Safety or Liquidity
The Problem
Planning for retirement is about more than just saving—it's about ensuring your money works for you in the years ahead. You need investments that grow to secure your future, stay safe to protect your hard-earned savings, and remain liquid so you can access funds when life demands it. The challenge? Most investment options force you to compromise, delivering only two of these three critical qualities. That's where the Investment Triangle comes in—a powerful framework to understand your choices and aim for the balance you deserve.
Growth: Simply provide some basic information about your current annuity and we'll perform a thorough analysis to see if you qualify for a tax-free exchange.
Safety: Your savings are protected from market crashes, economic downturns, or other risks.
Liquidity: You can access your funds when you need them, whether for emergencies or opportunities.
The Investment Triangle illustrates a hard truth: most retirement products sit along one side of the triangle, offering only two of these qualities. This leaves gaps that could jeopardize your financial security. Let's explore the three common combinations, what they offer, and what they lack.
The trade-offs of only two qualities
Growth & Safety
Steady but Inflexible
Safety & Liquidity
Secure but stagnant
Liquidity & Growth
Dynamic but risky
Growth & Safety
Some investments prioritize growth to help your money keep pace with inflation and safety to shield your principal from loss. These options are designed to provide predictable returns while minimizing risk, making them appealing for retirees who want stability.
Examples: Certificates of Deposit (CDs), certain fixed-income products, or government bonds.
What They Offer: These products often offer steady, modest growth that can outpace inflation over time. They're also safe, with guarantees that protect your initial investment from market volatility or economic shifts. For example, a CD might guarantee a 3% annual return, and government bonds are backed by the Treasury, reducing risk. They also help mitigate tax risks through predictable income streams.
What's Missing: Liquidity: The catch? Your money is often locked up for a set period—sometimes years. Need cash for an unexpected medical bill or a dream vacation? You might face penalties or be unable to access your funds at all. This lack of flexibility can feel like a trap in retirement, when life's surprises demand quick access to savings.
The Solution
The Investment Triangle reveals a critical flaw in most retirement planning: settling for two qualities leaves you vulnerable. Without growth, your savings shrink against inflation. Without liquidity, you're stuck when life throws curveballs. Without safety, your future is at the mercy of market swings. You've worked too hard to let these gaps derail your retirement dreams. What if there was a way to secure all three—growth, liquidity, and safety—in one solution? Discover a strategy that redefines what's possible for your future.