Keeping Your Retirement Safe

 You and a guest are cordially invited to a special Complimentary Gourmet Meal Immediately following our Retirement  Seminar

Our Clients believe in Safety

A Simple Solution

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 What if when the market goes up… you could make money? Your nest egg increases in value.. …But next time the market crashes. You do not lose one dime ! How is this accomplished ?
Do you have funds at risk…?. Risk from market down turns… Are a portion of your retirement savings in the stock market?

 If your funds are in a risky portfolio, they lose value every time the market has a correction..Why not move some of your nest egg to a safe place? A retirement account with a safety net! Paying a reasonable rate of return!  No loss of value…not a penny lost…Principle is protected..Like insurance on your retirement!! The concept is proven..Over twenty six years and many happy retirees !!
We help friends, family , clients…put some of their finances in very safe places! We will be happy to share the same info with you and your loved ones. 

 

 

Rethinking Retirement

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 The financial markets often present challenging times to those trying to plan for their future.  Uncertainties can make it difficult to feel good about retirement strategies.  Limited  availability of traditional retirement income sources, such as defined benefit pension plans, alongside increased costs of living, whether in the area of health care or simply because Americans are living longer, has placed a greater responsibility on Americans to save for their future.

With this greater responsibility comes a need for possible financial solutions that can help provide a level of protection for retirement savings. Whether your long-term objective is to build a source of guaranteed lifetime income, save for a specific retirement goal, or leave a legacy for your loved ones, we are here to help you.

We offer financial vehicles that are effective in providing potential for accumulation, growth and safety of principal in challenging times, and that can help you feel confident about your retirement savings strategies.

Who's Who

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 The company that issues the Fixed Indexed annuity. The insurance company is responsible for backing the annuity’s guarantees.


CONTRACT OWNER AND ANNUITANT


These usually are the same person, but they can be different. The owner makes decisions about the annuity, such as who the beneficiaries are. The annuitant is the person whose life expectancy is used to calculate annuity payments.

 

THE BENEFICIARY 

 is the person who receives the annuity’s death benefit. Naming one or more beneficiaries is important, because without a beneficiary, the money in your annuity could be subject to probate.

A death benefit can be paid to your beneficiary without probate.



Avoid the next market crash

HOW DO YOU BENEFIT

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A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income.

The three key benefits of fixed index annuities:

 Tax deferral, Indexed interest potential, and Protection of Principle. 


 If You want 


1) Protection of Principal

2) A reasonable rate of return

3) Financial confidence in retirement


WE CAN HELP

The process is proven.  Minimizing risk to your portfolio and protecting it from drastic change is our constant mission. With Singer Financial Group you will not worry about temporary market trends and instability. 

  

TAX DEFERRAL

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Tax Advantages of Fixed Indexed Annuity:  


During the accumulation phase of your contract, any interest growth is tax-deferred. If you purchase your fixed index annuity with after-tax dollars, you will only pay ordinary income taxes on your earnings – not on your premium payments – when you begin withdrawing money. Tax-deferred growth, compounded over time, may increase the amount of savings and income your fixed index annuity generates for your retirement.

Tax deferral is also a benefit of traditional IRAs and 401(k)s. However, annuities don’t have any government-imposed contribution limits. Because of that, they can often be a good choice if you want to save more than IRAs and 401(k)s allow and still enjoy tax-deferred growth potential.

Purchasing an annuity within a retirement plan that already provides tax deferral results in no additional tax benefit. So use an annuity to fund a qualified plan based upon features other than tax deferral, such as lifetime income options or the guaranteed death benefit.

Tax-deferred growth, which can compound over time, may increase the amount of savings and income your fixed index annuity generates for your retirement.

PROTECTION

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An important advantage of a fixed index annuity is the range of guarantees and optional protection benefits available. These benefits allow you to transfer risk to the insurance company issuing the fixed index annuity. These guarantees help protect your assets, your retirement income, and your beneficiaries. In exchange for the risk transfer, the benefits may carry an additional cost that will vary by product and company.


You generally have two choices for receiving income payments: annuitization payments or income withdrawals. Each of these payment types is taxed differently. For annuities that are not held in a qualified plan, such as an IRA or a 401(k), part of each annuitization payment is a tax-free return of what you paid for the annuity and part is taxable as interest you earned on the annuity. On the other hand, income withdrawals under the same annuity are fully taxable until the interest you earned has been taxed. Then you withdraw what you paid for the annuity tax-free. It’s always a good idea to consult with your tax advisor before choosing between annuitization payments and income withdrawals.



The Team

Peter S Singer

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Peter has been working as a professional insurance broker and financial adviser for  8 years. Peter now runs Singer Financial Group helping others understand and protect  their retirement portfolios.  Peter witnessed many family members and friends go through   financial losses in   2002 , 2006 and  2008. Witnessing devastated retirement portfolios  – experiences that could have been avoided with the proper education and planning. 


Peter is laser focused on creating safe retirement plans and helping clients adapt to the changing financial markets and economic environment.


    He can be found at the National Producer Registry Website (NIPR) http://www.nipr.com/  and also can be found at https://agentfinder.doi.state.ma.us

He is actively involved in his community.  Peter loves giving back to the industry that gives so much to his clients. 

Linda J Mulcahy

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Linda is an Experienced Software Quality Engineer and computer scientist. Linda works side by side with Peter and handles all the daily scheduling and client management tasks at Singer Financial Group . With her customer-focused ,strong leadership skills, she is in charge of all the technical, problem solving and communications at our offices and seminars.


 

At Singer Financial Group

Our primary focus centers around three things:

1. Safety first – Developing a plan that protects your principal.

2. Reasonable rate of return – Avoiding  the Wall Street roller coaster ride.

3. Simplicity – Creating plans with fewer moving parts that are wisely chosen and easy to understand.

This approach challenges the status quo of traditional planning, which is based on the risk management that says if you want big rewards you have to be willing to take big risks. What he helps clients discover is how they can build a plan that works under all conditions, not just ideal ones, where safety is never sacrificed.

David P Singer

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David is one of our event and seminar scheduling coordinators.

A  U.S. Coast Guard Veteran

Cold War and Vietnam Era

Before the Coast guard David graduated from Boston Latin HS Small business management and broadcast engineering Cambridge School of Business

Accounting and finance U.S. Armed Forces Institute

He is a Life Member:of  

Disabled American Veterans

Oak Point Veterans Association

American Legion

Middleborough Veterans Council

Middleborough Veterans Honor Guard

Middleborough COA Board of Directors

AAA Advisory Committee of Old Colony Planning Council

Past Commander Oak Point Veterans
Past Commander Southern N.E. Regiment Young Marines

Linda J Singer

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Linda is another of  our seminar coordinators and client event specialists along with David.

Linda is a very accomplished local artist selling incredible works of art at area shows.  She enjoys painting in various mediums  Oils,  Acrylics , Watercolor. 

 Her education includes Hull High School and  Chamberlain School  of retailing

She  also volunteered as an adult adviser with Young Marines

And currently volunteers with the Council of aging.

  

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Singer Financial Group

781-536-4527

Hours

Monday - Friday: 9am - 5pm

Saturday - Sunday: By appointment