What We Do

NATURAL STATE ADVISORS

"The Retirement Specialist"

What is an Annuity and how is it secured:

What exactly is an Annuity?

Annuities provide insurance against the risk of outliving your money after you stop working.

You get the potential to grow your savings and create guaranteed income for life so you can retire your way.

While they seem to function like an investment (that is, you put your money in and accept the risk of whether it increases or decreases), many are actually insurance contracts.

In general, it's insurance that you receive certain guaranteed payments at retirement.

An annuity is an investment/insurance product account and contract with a multi billion dollar insurance company, that provides safe guaranteed, tax-deferred growth of your retirement nest egg. Annuities are considered extremely low-risk, and provide guaranteed monthly income when you retire. There are many types of annuities with varying features & benefits. In fact over the years many new and exciting concepts have developed using annuity products. These include: fixed, variable, immediate, deferred & hybrid. We explain all the details that help you understand the various types of annuities and provide illustrations to you advising which products works best for you based on your retirement plans.

Annuities are designed for people who want security, peace of mind, and a guarantee of principal and interest.

They want a guaranteed monthly income when they retire - annuities are NOT a high-risk / high-return investment.

They are considered to be the mainstream of conservative retirement planning - over $225 billion in annuities have been purchased in the past 12 months alone, and that number will grow as millions of Americans run for cover in the next year. (2024)

INSURANCE COMPANIES ARE REGULATED DIFFERENTLY:

1. Insurance companies are regulated completely different then banks or stock market companys are. Most people do not know that every insurance company is "forced by state insurance regulators" to set aside $1 for every $1 invested in annuities. Banks often fail because they take $1 and make $10 in loans that go bad. Sadly, 5 banks have failed during the current adminstration. In over 115 years Annuities have never failed!

2. Guaranteed income for life:

Annuities can fill in the gaps when social security, pensions, and other retirement accounts don't provide enough retirement income. Annuities allow you to take a lump sum today and create a steady stream of income paid monthly, quarterly or yearly. We design and provide illustrations based on what annuity works best for you based on your needs, your goals, etc.

3. Reasonable returns :

Traditional fixed annuities provide a safe alternative to bank CDs and savings accounts. Some uncapped index annuities have earned very nice returns. You earn a portion of the market upside without risking your principal. Some of the gains, none of the losses. It does not get much better than that?

4. Tax-deferred growth - Annuities offer TRIPLE compounding on your interest. Earn interest on your principal, interest on your interest, and interest on the money normally lost to taxes each year.

5. Long-Term Care Benefits - Some annuities offer you long term care benefits upon your initial deposit and life insurance with an optional rider. Everyone qualifies regardless of health. This can save your heirs a lot of federal taxes if planned correctly.

6. Leave a Legacy - You can leave a love one, a charity, or whatever you choose- a monthly, quarterly, or annual check if you so wish.. The insurance company will be there to make payments based on your instructions listed in the contract.

With an Annuity from Natural State Advisors, you can provide your loved ones with a death benefit that is part of your annuity contract.

We can provide advice on strategies that could reduce the taxes you leave your beneficary.

7. No fees - No Broker charges-No yearly taxes due while your saving!

The stock market and the U.S. economy are volatile The Dollar value is being reduced daily by increasing federal debt and massive overspending by the former adminstration.

It’s one thing to answer hypotheticals about saving and losing money when you’re planning for the future. But watching your 401(k) balance drop in market downturns sheds light on the real‑world implications. If experiencing market volatility has diminished your appetite for risk, now might be the right time to reassess your retirement savings plan.

Contact Us Now-We want to help you!

Many retirement investors with their savings in the market or CD's are unaware of the following:

Lots of Fees

Whether you know it or not, there are many different fees in your 401(k) that are slowly draining your retirement savings.
Your Money Isn't Liquid

You can’t access your money any time you want, and if you do, early withdrawals are penalized as 10% or more. (Certain tax application also applies)
Your Money is Not Guaranteed and Protected

The money in your 401(k) or IRA moves with the market, and has very limited if any, downside protection.
You Will Run Out of Money

If you live long enough, you will run out of money. Eventually if you live long enough, you will run out of money once you begin to take out withdrawals.
You Must Pay Taxes On All Earnings

Annuities are the ONLY investment that legally allow your funds to grow without any taxes due until you wish to withdraw or start your retirement payments. You only pay on the interest earning at that time. However you have more money in your account as you never lost it due to taxes being paid each year on any other investment.
Your Broker Fees cost you more than you think

Consider what you broker fee is each month and any and all other associated fee(s) and multiply by 12. Lets say you fund your retirement for 15 years- mulitply that number x the above yearly number.
Now consider with an Annuity that total amount above will still be in your account when your retire or need cash.

Americans are redistributing their 401(k) & IRA's moving them OUT of the stock market and into ANNUITIES that:

Give you growth

(without the risk of loss)

Are tax-free during your and your legacy’s lifetime

Are liquid

(always available cash)

Protect you from financial volatility (without sacrificing big wins)

COVERAGE

$25,000 - $1,500,000

TERMS

10-30 year terms

AGES

18-65

Take the stress & worry out of your retirement planning now & forever!

The peace of mind brought from this process is priceless. It removes the stress of future "unknowns" like the current stock market losses, inflation, and bad political policys. No more worry about the safety of your hard earned funds. It truly takes the stress OUT of your retirement planning.

When it comes to your future, there’s too much at stake. Don't risk another day or another dollar.

Insurance products may not be available in all states. These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. This material should not be interpreted as a recommendation by Any and all offerings and discussions of annuity products are from a licensed agent in AR, license number upon request. We ONLY offer annuity products that are " A+ " AM Best rated insurance companies.

* All statistics used in this website are from public search engines and from various news and finanical news agencies, or websites. Sources provded upon request. Natural State Advisors.com does not provide legal, or tax advice. Natural State Advisors is not a stock broker, or tax adviser. This 100% free Service is intended only to assist you in understanding other options then the stock market and provide you information that your broker can’t tell you for fear of losing you as a client.

Your personal financial situation is unique, and any information that you should provide to Natural State Advisors.com is confidential and is NEVER marketed, spammed or sold to ANYONE! Accordingly, should you receive this information and you then take action to move your funds: Before making any final decisions or implementing any information or strategy, you should consider obtaining additional information and advice from your tax accountant or attorney who is fully aware of your individual circumstances. This 100% Free service and website are for information ONLY, to those that have retirement savings in the stock market, or have CD's in the bank and are unaware that there are other "safer options" for their retirement funds or savings that cost them nothing to take advantage of.

The mention that some insurance companies offer "bonuses" is based on various insurance companies offer certain percentage interest rates that equate to a "bonus" over current rate for the first contract year.

All mentions and or every use of the word "guaranteed " refers to each Insurance companies guaranteed contract value presented to the client through proposal and later legal contract. The insurance company offers the guarantee, not Natural state advisors or their agents.

Please note that the examples herein are not company nor product-specific. They are concepts shown to give you general information on the benefits and limitations of the products and strategies and are not designed to be a recommendation to buy any specific financial product or service. Insurance Company Products change and such product concepts may not be suitable for your needs or available in your state. Natural State advisers does NOT charge the client any fee now or in the future for their professional service and expertise.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR ANY OF ITS AFFILIATES • Each insurance company provides you a personal contract and any guarantee would be from the insurance company, not Natural State Advisors or it's licensed state agent.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC.

By responding, to this offer you may be contacted by a licensed insurance agent regarding retirement income pla