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Financial Planning

"I don't think I've ever made any good financial decisions." —Roger Moore

Now's your chance to do better than 007! If you make good financial decisions now, your portfolio will support you during retirement. And that's the whole point of financial planning—a portfolio that's diverse enough to keep several income streams coming to you during your golden years. Is your portfolio diverse enough to weather a financial storm?

Trusted Quote Only 39% of American workers surveyed by Transamerica felt they were saving enough to retire by age 65.



If this sounds like you, let us help you secure your family's financial future with an annuity. We've helped more than half a million people protect their family's financial future. Could you be next?

Talk to Our Annuities Specialist at 800-823-4852!

Grandfather sitting and reading to his two granddaughters
Good financial planning
pays dividends later in life.

Paying for Retirement: What's Old Is New Again

Financial planning for retirement has been a hot-button issue since 1636. (Yes, 1636!) In a territory filled with danger and uncertainty, the Plymouth colonists raised money to provide pensions for men disabled while defending the colony. This wasn't just a luxury—in those days, it was a survival tool.

Americans have always wanted security in their golden years. During the Great Depression, Franklin Roosevelt signed the Social Security Act. As a result, workers who reached age 65 could retire and still have a monthly income. This opened up jobs for younger workers, and eased older workers' minds about leaving the workplace.

What about Now?
Our economic outcast is less certain. A Pew study released in June of 2012 showed that 34 states lack sufficient funding for their pension programs. According to the study, the shortfall was $757 billion in 2010.

This is just the tip of the iceberg, covering public employee pensions only. What about private employer pension programs? Those aren't secure, either. Many companies that used to offer pensions now offer 401Ks, which provide much less security in the face of Wall Street's volatility.

Managing Diversity vs. Risk

Let us help you set up an annuity—an often-underused tool in creating a diverse financial plan for retirement.  

Here's how it works: You pay into an annuity. That money goes into a form of escrow account. As you keep making your payments, that money grows. Different plans have different investment strategies, but they're all designed to create solid, stable growth.

Then, when you reach the annuitization point (agreed upon when you purchase your annuity), that money gets paid back to you in installments. You can choose to have it paid back over a period of time (20 years, say), or for the rest of your life.

Trusted Quote 69% of workers surveyed by Transamerica say they could work until age 65 and still not save enough to retire.



In 2011, the U.S. Government Accountability Office (GAO) issued a report that confirms what Trusted Quote has always known: Annuities are a powerful tool that can help keep you financially secure during retirement.

The GAO notes that they're especially helpful for turning a lump-sum pension payment into guaranteed income for life. If the government agency tasked with cutting unnecessary spending suggests a particular financial product, chances are it's a good idea.

Trusted Quote Can Help

We have an entire department devoted to annuities. Give us a call and tell us what your personal financial planning goals are. We'll help you select the type of annuity that meets your needs and goals—giving you a guaranteed income stream for life.

Here are the three types of annuities we can help you with:

Immediate annuities Immediate annuities
  A solution that starts providing income right away.
Fixed annuities Fixed annuities
  Guaranteed income at a guaranteed rate.
Indexed annuities Indexed annuities
  Your returns are tied to an equity-based index, such as the S&P 500.

You might also be interested in learning how a life insurance policy can be helpful in estate planning.

Talk to Our Annuities Specialist at 800-823-4852!

Transamerica Center for Retirement Studies: Redefining Retirement VA History in Brief
PBS News Hour: Pension Shortfalls Force States to Consider Cutting Benefits
Government Accountability Office: Retirement Income: Ensuring Income throughout Retirement Requires Difficult Choices

About Trusted Quote

For over 40 years, our company has helped half a million American families protect their future with life insurance. We provide fast, free quotes for life, disability, long-term care insurance, and more.

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Copyright 2002-Present Pinney Wholesale Insurance Services - All Rights Reserved 2266 Lava Ridge Court, Roseville, CA 95661

*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female

^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.

R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.

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