About
The Singer Financial Group is a locally owned and operated business located in Brownsburg, IN. Our practice is grounded in the principal that; “No one really cares how much you know, until they know how much you care”.
What the Singer Financial Group really cares about is this… We will always work to exceed expectations. We are a family owned business, and our whole focus is on making retirement safe, sound, secure, and enjoyable for our clients and their families.
Over the years, we have noticed working with retirees and those planning for retirement, that there is an entire financial industry that ignores the retiree’s need to protect principal.
We believe in protection of principal AND income solutions. We believe in retirement spending plans. You’ve been saving all your life for retirement – when you get there, what do you want your money to do for you? Most people tell us; “I don’t want to lose it, and I want to live comfortably”. Here’s an example of how our process can help you do that, and how we are different.
“What if every year the market (S&P 500) went down, you could demand your money back, and then buy more at the lower price? Would you want to buy that index mutual fund?” Who wouldn’t, right??
Well, that’s the beauty of Protected Growth planning using fixed index linked annuities, or FIA’s. Last year’s ending point is this year’s starting point. An index linked annuity credits interest based on the upward movement of an index (such as the S&P 500) while protecting principal and previous earnings from market downturns. So, in a year when the market moves down, you retain your principal and previous earnings (or as I said earlier “demand your money back”), and now you are linked to this year’s new lower index value (it’s as if you bought more at the lower price) and you are positioned to earn interest on any upward movement from this new lower index value. And all this happens on auto-pilot, every year! That’s why it’s a strategy that works in any market. Now, having said that, we also must disclose to you that this strategy is subject to certain caps and limitations. So, how well does it work? Exceptionally well, according to a study conducted by the Wharton School of Business. Here’s the quote from Forbes magazine (June 2009):
“Since 1995, these [equity-indexed] annuities have easily outpaced the S&P 500 and bond indexes alike. ‘There is no asset category that outperformed them. We were extremely surprised, really just amazed,’ says David Babbel, professor emeritus of insurance and risk management, who conducted a study of equity-index annuity returns beginning in 1995…(and ending Jan 1, 2009)
At the Singer Financial Group, we show you how you can have safety and opportunity, on the same dollar at the same time!
