Mark D. Goldstein, CFP®
Certified Financial Planner
SAFE-Money Alliance

Pueblo Plaza Executive Suites
1100 S. Main St., Suite 10
Las Cruces, NM 88005
(575) 556-2472

Intelligent Office Complex
7362 Remcon Circle
El Paso, TX 79912
(575) 556-2472

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3701 Algonquin Rd., Suite 150
Rolling Meadows, IL 60008
(877) 442-0698 Toll-Free

"Guaranteed SAFE-Money Solutions for a Successful Retirement!"


Ever since they first appeared in 1995, I have been a HUGE fan and have successfully utilized fixed index annuities as “in between” products that serve as a bridge between financial extremes.

Let me show you what I mean...

There are areas in some of our lives where we tend to go from one extreme to another. Either we're eating very healthy or we're living on a diet of Doritos, ice cream and pop. We can get into the habit of regular exercise or fall into a rut where our most strenuous activity is reaching for the remote control.

Investing can be that way, too. And that can cause some real problems for our portfolio.

Two of the extremes in investing are… 

1. Get Rich Quickly. Here, we get caught up in the hype and hyperbole that takes place when the markets are soaring and our emotions soar with them. We can end up making decisions that, under normal circumstances, we would never make. We forget that investing is more of a marathon event, rather than a sprint.

And, of course, attempts at getting rich quickly almost always end in disaster. 

2. Go Broke Slowly. The other extreme is to put ourselves in a “go broke slowly” position. What I mean is that there’s been a flight of money in recent years into places like CDs and money market accounts because of their safety features. While these accounts are FDIC insured and, in that respect, are indeed safe, there are two other factors that ought to be considered: Taxes and Inflation.

According to, the highest interest rate on a one-year CD currently (06/30/2018) stands at 2.50% (it's a tie between ableBanking, a division of Northeast Bank, and Connexus Credit Union).

Well, in a 22% tax bracket (assuming you're in a zero income tax state like Texas, Nevada, Florida, etc.) your net after tax yield would only be 1.95%. And, although the inflation rate for 2018 is projected to be a relatively low 2.60%, what that means is that a 2.50% CD, after taxes and inflation would actually lose 0.65% in purchasing power.

Now, to be very clear, CDs can be decent places to keep your emergency and rainy day money. But as a strategy for long-term retirement? Perhaps not so much, eh?

Index annuities were created to stand between the two extremes, giving you much more interest earning potential... tax-advantaged and without the risk and volatility of other financial products.

The really good index annuities (optimized with the right indexing strategies, bonuses, and zero fees) are providing the solid and consistent interest earning potential we want with the safety and stability that we need.