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.
In the case of income accumulation annuities (fixed indexed 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 as secure as possible, we look forward to working with you!