Time and Diversification

There are two key elements in a portfolio time and diversification?

Has your portfolio been able to recover from previous years of loss and uncertainty? Some people believe in taking a more aggressive approach to recapture losses rather than looking at the root cause. Is your portfolio truly diversified or are you to heavy in one area? That is something you can explore in a FREE consultation with us at our office.

Most retirees cannot afford to lose a majority of their portfolio because age plays a role in regaining the loss. Diversification is a key to peace of mind and conservative allocations of assets.

Protection of assets as well as growth is important to almost everyone.  In some cases adding an annuity to an individual’s portfolio can provide the peace of mind and growth many induvial are looking for. Annuities are not the contracts of years past. What is an annuity? An annuity is an insurance backed product you purchase from an individual Insurance company of your choice based on product illustrations many offering crediting options on an annual basis. Most annuities allow you to take a penalty free withdrawal annually. Annuity withdrawals made before age 59 ½ are subject to a 10% penalty fee, and all withdrawals may be subject to income taxes.

Individuals have the option for income or growth depending on their needs. Most annuities are used as a long term retirement option in conjunction with other assets within an individual’s portfolio for more asset protection and again diversification.

We look forward to exploring your options and you are welcome to visit our website for our upcoming seminar schedule or call us today for a FREE consultation 800-630-4299.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are not FDIC insured.

Securities offered through registered representatives of Colorado Financial Service Corporation, member FINRA and SIPC. Classie Insurance & Investments and Colorado Financial Service Corporation are separate entities. Insurance offered through Colorado Financial Service Corporation.