Three Core Principles:

A Reasonable Rate of Return**

Reasonable Rate of Return**

One of our guiding pieces of advice, along with keeping your money safe and your retirement strategy simple, is helping you gain a reasonable rate of return** on your money. Running out of money in retirement is a major concern for many people. Thankfully, we can walk you through options for gaining a reasonable rate of return** in retirement in order to keep up with the rising cost of living and not run out of money. No one wants to have to go back to work after having already retired.

Fixed Indexed Annuities

One option that might be highly beneficial for you? An FIA (fixed indexed annuity). One of these products could offer you indexed interest at a reasonable rate** when the market is up, and yet, no loss if the market is down. You deserve to feel confident in the stability of your retirement strategy, and an FIA may help that.
Reach Out To Us To Learn More

Returns on FIAs

The interest rate of an FIA is tracked using an index. For example, the S&P 500. If the index rises above a certain level, your FIA gains interest credit. The calculation of your interest rate is then based on several different factors, including:

  • The term length of the annuity
  • Amount of money in the FIA
  • Terms and conditions added by the insurance company
  • Additional selected add-ons
smiling senior women drinking tea together reasonable rate of return in retirement

Learn Your Options

In our opinion, it’s critical that you have a wealth of knowledge on your various options before making decisions about your retirement future. What you do with your money now will matter for the long-term, so it’s crucial that you get it right. Factors such as inflation, changes in tax law, and the state of the stock market will all impact your finances in retirement and should be taken into account.

If you want to learn more about things that impact your retirement, and what you can do to prepare, reserve a seat at one of our educational seminar events. Not only are these events educational on a variety of relevant topics, but they’re no-cost to attend and come with a complimentary gourmet dinner. Interested yet?

Reserve Your Seat

Or, you could schedule a one-on-one meeting with us to discuss your own personal needs and goals.

How can you earn a reasonable rate of return** in retirement? We can help you find out.

Meet With Us
Contact Info
  • 10761 S. Saginaw St Bldg. B Suite D
    Grand Blanc MI 48439
  • 122 Uptown, Suite #204
    Bay City MI 48708
What We Do
Grand Blanc Office
Bay City Office

*Backed by the claims paying ability of the carrier.
**Our products offer a reasonable rate of return, over time.

IMPORTANT CONSUMER INFORMATION

This site is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. The offer for sale of an insurance product may only be conducted in a state where the agent is licensed and the product is approved for sale. The providing of investment advice relating to securities may only be done by a properly licensed individual operating through a licensed affiliate entity, unless otherwise exempt. Comments about past performance are not to be construed as a guarantee or assurance of future performance. This website may contain concepts that have legal, accounting and tax implications. We do not provide specific legal or tax advice, nor promote, market or recommend any tax plan or arrangement. Consult a tax/legal professional for guidance with your individual situation. No representations are made as to the accuracy or completeness of the information contained herein or any information contained in any link provided herein, nor does a consumer visiting the web site create an agent-client relationship.

Ryan Brummans, an Investment Advisory Representative (IAR), offers advisory services through Gibbs Wealth Management, an SEC registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Compass Financial Associates, LLCand Gibbs Wealth Management are independent of each other. Insurance products and services are not offered through GWM but are offered and sold independently by Compass Financial Associates, LLC, MI License #118186, and Ryan Brummans, MI License #0636770.

By contacting Matthew J. Balsbaugh/Compass Financial Associates LLC. Ins. Lic. #0118186 you may be offered information regarding the purchase of insurance products, including fixed index annuities and life.