Our Services

While developing a Financial Roadmap©, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

These are your dreams, goals and desires, not ours! We are here to help you create it.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:

• Tax management  
• Retirement strategies 
• Estate conservation
• Insurance and Annuity products

Have you ever wondered if you are ready to plan your retirement or better yet, have you saved enough to fund your retirement? With the rates from the national average of CD and money market rates, you are losing valuable income.

In fact, inflation is taking another huge chunk out of your income!

Pension Plans are almost like the dinosaurs...extinct. Unfortunately for many of us, we must rely on our IRA's, 401K or 403b plan. Some of you may have a defined benefit plan or some other type of retirement account. The market is at an all-time high and has sustained this growth for over 10 years. Is it time to think ahead?

Even if you have a mixed portfolio or some type of asset allocation, you have seen many extreme swings in the market. By all means, this website is not suggesting for one moment that you need to abandon your retirement plan or discontinue investing in the market. Everyone's risk tolerance is different. The market always seems to rebound, but timing the market at the precise time you need it to is tough.

So the main question is this... How can I insure myself against these market swings and set up a retirement plan that will take the guesswork out of my retirement? Give up? *Annuities!

REASON FOR INCOME

We are living longer than ever as a society. Many retirees are worried about outlasting their savings!

With many choices out there, we'll discuss what's important to you at Premier Financial Services. We  will attempt to take the guesswork out of your decisions. 

Although we are quite familiar and can answer most of your questions concerning them, we do not offer Variable Annuities.

Annuities can be used with the money you have in your savings account or CD's. They can also be used with all of your retirement accounts as well, like 401K's and IRA's. Most fixed and equity indexed annuiities are usually for those type of people that are risk averse, meaning you are not willing to chance the loss of most of your principle. We will help determine if you are a conservative, moderate or aggressive investor.

Quick question for you! If you want to double your money over the next 10 years,what compounded interest rate percentage do you need to earn?

Answer: 7.2% This is the rule of 72.

72 divided by 10 equals 7.2

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Suze Orman on Variable Annuities!