Patrick Speaks

4 Types of Annuities

• Variable
• Fixed Index
• Traditional Fixed
• Immediate

Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Riders are generally optional and have an additional associated cost. Annuity guarantees and protections are backed by the financial strength and claims paying ability of the issuing insurer. Annuities are not a deposit of nor are they insured by any bank, the FDIC, NCUA, or by any federal government agency.

The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. The index value does not include the dividends paid on any equity investments underlying any equity index or any interest paid on any fixed income investments underlying any bond index. These dividends and interest are not reflected in the interest credited to your contract.

• Are you approaching the crossroads of retirement?

• There is still hope if you are near retirement without a nest egg
• Is there a need for your nest egg to continue to grow?
• Can your portfolio stand the test of time?

Patrick speaks about three key lessons to help students start college off on the right financial foot:

Lesson 1- Build a Budget

Lesson 2- Be careful with Credit

Lesson 3- Read the Loan Fine Print

• Electronic help & tips
• Legal documents in place with the right people
• Friends & neighbors local to you

- Why you should always have a plan

- Expect the unexpected & Delays!

- Why I'm glad to live in the USA

• HEALTH: Staying independent, Independent Living, Assisted Living and Nursing/Home Care
• WEALTH: Not running out of money before you run out of time
• CARE: Legal documents needed: POA, Healthcare Surrogate, Trust vs Will

Patrick shares a couple recent personal and heartfelt experiences.

Patrick speaks about five things you need to do when disaster strikes:

• Examine your Insurance Policies
• Build a Healthy Emergency Fund
• Keep Cash on Hand
• Take Financial Inventory
• Evaluate your Recovery Options

Patrick shares with us two conversations he had recently with people who were misinformed about the Qualified Retirement Plans they had through work.

Patrick talks about how it could be important to review and participate in a plan offered at work.