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Investment & Income Planning

Kelly Ramsdale & Associates, Inc. is a different kind of firm. We are not financial planners or money managers. We are settlement and income planners.  Our goal is simple—to keep our clients’ money safe.   

In their world, most financial planners are focused on growing money and seeking the largest returns possible, some with risks that many people are simply not comfortable with. In the settlement and income planning world, money tends to come from lawsuits, divorces, retirement savings, or other situations.  Our clients’ stable income can be a matter of financial life or death. Our clients aren’t comfortable on Wall Street. They want income they know they can count on.

Since 1999, we’ve seen many financial market plunges and so have the people who come to us for advice. They want to know that no matter what happens in the financial markets, their income plans will remain constant. Through the creative use of annuities, we can address those critical income needs, whether it’s safe accumulation of principal, lifetime income, or other individual financial goals.

Most financial planners will tell you that your money can do so much better in the financial markets, and yes, you probably could. But, you can absolutely do much worse.  Can your nest egg withstand a major fall of the stock market?  Rates of return on annuities are comparable to other products in the lower-risk class of investments, such as bonds or bond mutual funds, and will typically produce a much better rate of return than a savings account or a CD.
 

Nothing in life is without risk, which is why we only use the largest and most secure annuity carriers in the country. Many of these annuity companies have been around for over a hundred of years. They are in the business of being secure, in turn, keeping your money as secure as possible.  The annuities we offer have guarantees that ensure they will continue through a person’s lifetime.  Or, in the case of income accumulation annuities, they will capture a percentage of market gains, but are guaranteed to never lose principal. Nothing on Wall Street can offer that kind of protection.

 

For those clients who are not comfortable on Wall Street and want to sleep better at night knowing their future income is secure, we look forward to working with you!  

Annuities for Accumulation of Cash

It is important for all of us to accumulate as much cash for retirement as we can.  We’re living longer than ever, and we want to have enough cash to ensure that we never outlive what we’ve managed to put away. 

How do you accumulate that cash?  There are the obvious answers:  stocks and mutual funds.  But, what most financial planners don’t tell their clients about are fixed indexed annuities.  Fixed indexed annuities are vehicles that act similar to CDs at your local bank or credit union.  With a CD, you deposit your money for a certain time period.  At the end of that period, you get your original principal back, plus the interest.  In this prolonged period of low interest rates, the interest you will receive is very small.  In a fixed indexed annuity, you “deposit” your money with a major US life insurance company, and commit to a time period of say 5-12 years.  Unlike CDs at a bank, fixed indexed annuities are tied to a major US index, the S&P for example.  And, when the markets do well, you capture a portion of the gains.  When the markets are down, you do NOT share in the losses.  That’s right, you read that correctly:  you do NOT lose a penny of your principal.

Fixed indexed annuities are a great vehicle that allows for capturing a portion of the market gains without ANY of the market losses.  It is a wonderful tool to help you accumulate cash for retirement!   

Annuities for Cash Management

A Single Premium Income Annuity (SPIA) is a fixed annuity contract issued by an insurance carrier. It is an option to consider if:

  • You have already received a settlement and now want to use all or a portion to provide a steady income.
  • You have a lump sum of money available to use to provide a predictable income stream (retirement funds, divorce settlement, inheritance, etc.).
  • You want a safe, predictable source of income with no active investment management required.


SPIAs offer a fixed rate of return, and there are no on-going investment management fees or expenses.  They provide a guaranteed stream of income for a certain period of time or for a lifetime, depending on the annuity type. Contracts can also be written as joint and survivor (for married couples, as long as either is living), but also allow you to provide for your beneficiaries.

In very simple terms, a SPIA is where you trade a sum of money today, for payments over time, in most cases a lifetime.  Periodic payments from a SPIA start within a year of purchase and payment frequency can be scheduled to meet individual income needs, such as monthly, quarterly, semi-annually, or annually.  

Call us to find out more information on Single Premium Immediate Annuity.

 

Annuities for Retirement

If you are nearing retirement, Kelly Ramsdale & Associates can offer you a qualified Single Premium Income Annuity (SPIA) that will provide retirement income.

SPIAs provide a guaranteed stream of income for a certain period of time or for a lifetime, depending on the annuity type.  Contracts can also be written as joint and survivor (for married couples, as long as either is living), but also allow you to provide for your beneficiaries.

Using a SPIA as part of your total retirement income plan makes sense if you want a safe, predictable source of income with no active investment management required on your part or on-going investment management fees and expenses.  A SPIA for retirement is purchased with a one-time only “deposit” using either cash you have accumulated in savings or investment accounts, or qualified (401K, IRA, etc.) retirement monies.  The periodic payments from a SPIA start within a year of purchase and payment frequency can be scheduled to meet your income needs, such as monthly, quarterly, semi-annually, or annually.  

Annuities for Other Situations

Kelly Ramsdale & Associates offers Single Premium Deferred Annuities (SPDA) that can be purchased with lump sum amounts. These annuities make sense when a future guaranteed income stream is needed but you don't need the income payments to start right away.

These fixed rate-of-return annuities have similar features and benefits as a Single Premium Immediate Annuity, and provide periodic income that starts one year or later after purchase.

Call us to learn more about which type of annuity might be appropriate for your situation!


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