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Investment Services

Investment Services

Insured and secured investment options customized based on your needs.

Investment Services

Investment refers to allocated resources for future use. You invest something because you want to earn more from it later on. Investments offer opportunities for saving money and letting it grow in the process so you’ll have something to spend in the future, for instance, in the event of an illness or for so you can live comfortably after retirement.

Here are two insured and secured ways through which individuals can invest their money: annuities and index investing.

Overview of Annuities / Pensions

An annuity refers to an agreement between an individual and an insurance company. In this setup, the provider will provide you with periodic payments of a specified amount for a pre-determined period. Annuity investment offers some sort of retirement income insurance. You contribute funds to it regularly in exchange for guaranteed income stream later on.

Types of Annuities

There are two ways through which investors create and use annuities: deferred and immediate. In an immediate annuity, you will contribute a lump sum to your annuity account so you immediately begin getting regular payments. Annuity investments of this type are great for those who have received a large sum of money as in an inheritance or lottery winnings. They convert your cash pool into a lifelong income source.

On the other hand, deferred annuities are set up so the investor contributes and accumulate capital investment throughout his working life. This builds to a sizable income stream later on. The regular contributions are invested by the insurance provider so that they grow in return and are tax sheltered.

Indexed annuity investing

When talking of index investments, this refers to investing in the stock market. The index refers to the statistical measure of changes in stock portfolios which represent a part of the whole market.

It’s unwise to put all your investment capital in a company or two. Investing in mutual funds or index funds is less risky because you get to invest on a more diverse portfolio of companies, giving you a higher chance of getting a better return.

The good thing about index funds is that they don’t need expensive research or even a large staff to run them. This lowers the costs of investing on them. It’s also important to note that it’s practically impossible to lose all your investments on an index fund. If this ever happens, it only means that every publicly traded company has gone down at the same time.

Tax benefits of investing

The good thing about investing is that it comes with a host of tax benefits. For instance, annuities usually provide tax sheltering. This means that your contributions causes your taxable earnings for the year to go down. Your investment earnings will grow tax-free. You will only owe taxes to the IRS once you begin getting income from them. This is a great for young people who are capable of contributing to deferred annuities for years.

The capital gains in the annuity account are also non-taxable. Tax savings can compound over time which can also boost the returns on your investments. And since after retirement, you are more likely to earn less than your current income, you will also get moved to a lower tax bracket. This means that there is an even higher possibility that you will pay lesser taxes on your assets especially if you don’t claim the income as soon as you earn it.

Annuity from companies like: AVIVA, ING, Allianz, Transamerica, Metlife, Lincoln Financial, John Hancock, AGLA, LSW, MassMutual, high rated insurance companies

Annuity investment, IRA Help, retirement planning, financial planning in LOS ANGELES COUNTY:

Acton - Agoura Hills - Alhambra - Altadena - Arcadia - Artesia - Avalon - Azusa - Baldwin Park - Bell - Bellflower - Beverly Hills - Burbank - Calabasas - Canoga Park - Canyon Country - Carson - Castaic - Cerritos - Chatsworth – City of Industry -Claremont - Compton - Covina - Culver City - Diamond Bar - Downey - Duarte - El Monte – South, - El Segundo - Encino - Gardena - Glendale - Granada Hills - Hacienda Heights – Harbor City - Hawaiian Gardens - Hawthorne - Hermosa Beach - Huntington Park - Inglewood - LA Los Angeles - La Canada Flintridge - La Crescenta - La Habra Heights - La Mirada - La Puente – La Verne - Lawndale – Long Beach – Lynwood - Malibu - Manhattan Beach - Marina del Rey - Maywood - Mission Hills - Monrovia - Montebello – Monterey Park - Montrose - Newhall - North Hills - North Hollywood - Northridge - Norwalk - Pacific Palisades – Pacoima - Palmdale - Palos Verdes - Panorama City - Paramount - Pasadena - Pearblossom - Pico Rivera - Playa del Rey – Playa Vista - Pomona - Rancho P.V. - Redondo Beach - Reseda - Rosemead - Rowland Heights - San Dimas - San Fernando – San Gabriel - San Marino - San Pedro - Santa Clarita - Santa Fe Springs - Santa Monica - Sherman Oaks - Sierra Madre – Signal Hill - South Gate - South Pasadena - Stevenson Ranch - Studio City - Sun Valley - Sunland - Sylmar - Tarzana – Temple City - Topanga - Torrance - Valencia - Valley Village - Van Nuys - Venice - Walnut - West Covina - West Hills – West Hollywood/LA Los Angeles - Westlake Village - Whittier - Wilmington - Winnetka - Woodland Hills .

Annuity investment, IRA Help, retirement planning, financial planning in ORANGE COUNTY:

Aliso Viejo – Anaheim – Anaheim Hills – Balboa Island – Brea – Buena Park - Capistrano Beach – Corona del Mar – Costa Mesa – Cypress – Dana Point – Foothill Ranch - Fountain Valley – Fullerton – Garden Grove – Huntington Beach – Irvine – La Habra – La Palma - Ladera Ranch – Laguna Beach – Laguna Hills – Laguna Niguel – Laguna Woods – Lake Forest - Los Alamitos – Midway City – Mission Viejo – Newport Beach – Newport Coast – Orange – Placentia – Rancho St. Margarita – San Clemente – San Juan Capistrano – Santa Ana – Seal Beach – Silverado – Stanton – Sunset Beach – Surfside – Trabuco Canyon – Tustin – Villa Park – Westminster – Yorba Linda .

Annuity investment, IRA Help, retirement planning, financial planning in RIVERSIDE COUNTY :

Aguanga – Anza – Banning – Beaumont – Blythe – Cabazon – Calimesa – Canyon Lake – Cathedral City – Coachella – Corona – Desert Center – Desert Hot Springs – Hemet – Homeland – Idyllwild, Indian Wells – Indio – La Quinta – Lake Elsinore – Mecca – Menifee – Mira Loma – Moreno Valley, Mountain Center – Murrieta – Norco – North Palm Springs – Nuevo, Palm Desert – Palm Springs, Perris – Rancho Mirage – Riverside – San Jacinto – Sun City – Temecula – Thermal - Thousand Palms – White Water – Wildomar – Winchester .

Annuity investment, IRA Help, retirement planning, financial planning in SAN BERNARDINO COUNTY :

Adelanto – Angeles Oaks – Apple Valley – Barstow – Big Bear City – Big Bear Lake – Bloomington, Blue Jay – Cedar Glen – Cedarpines Park – Chino – Chino Hills – Colton – Crest Park – Crestline, Daggett – Fawnskin – Fontana – Forest Falls – Grand Terrace – Green Valley Lake – Helendale – Hesperia – Highlands – Hinkley – Joshua Tree – Lake Arrowhead – Landers – Loma Linda - Lucerne Valley – Lytle Creek – Mentone – Montclair – Morongo Valley – Needles - Newberry Springs – Ontario – Oro Grande – Phelan – Pinon Hills – Pioneertown - Rancho Cucamonga – Redlands – Redlands – Rialto – Rim Forest – Running Springs - San Bernardino – Sky Forest – Sugarloaf – Trona – Twentynine Palms – Twin Peaks – Upland, Victorville – Wrightwood – Yermo – Yucaipa – Yucca Valley .

Annuity investment, IRA Help, retirement planning, financial planning in SAN DIEGO COUNTY :

Alpine – Bay Park – Bonita – Bonsall – Borrego Springs – Boulevard – Campo – Carlsbad - Chula Vista – Clairemont – College Grove – Coronado - Del Mar – Descanso – Downtown – Dulzura, East San Diego – El Cajon – Encanto – Encinitas – Escondido – Fallbrook – Grantville – Hillcrest, Imperial Beach – Jacumba – Jamul – Julian – La Jolla – La Mesa – Lakeside – Lemon Grove - Linda Vista – Logan Heights – Mission Village – National City – Normal Heights – North City West, North Park – Ocean Beach – Oceanside – Pacific Beach – Palomar Mtn – Paradise Hills - Pauma Valley – Pine Valley – Point Loma – Potrero – Poway – Ramona – Ranchita - Rancho Bernardo – Rancho Penasquitos – Rancho Santa Fe - San Carlos – San Diego - San Marcos – San Ysidro – Santa Ysabel – Santee – Scripps Ranch – Solana Beach - South San Diego – Spring Valley - Spring Valley – Tierrasanta – University City – Valley Center, Vista – Warner Springs .

Annuity investment, IRA Help, retirement planning, financial planning in VENTURA COUNTY :

Bell Canyon – Camarillo – Fillmore – Moorpark – Newbury Park – Oak Park – Oak View – Ojai Oxnard – Piru – Port Hueneme – Santa Paula – Simi Valley – Somis – Thousand Oaks – Ventura Westlake Village .

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