Saturday, February 23, 2019

Benefits Of A Fixed Indexed Annuity, 30 Year Expert Tom Gucciardi

Today, I, Thomas Gucciardi, Founder of Global Financial Group , will give types on simple facts about a Fixed Indexed Annuity.  Call Tom Gucciardi at 954-804-4381.


A fixed indexed annuity (FIA) is a contract between you and an insurance company. similar to a CD at the bank, which is a contract between you and the bank.  FIAs offer the opportunity for tax-deferred growth based in part on changes in a market index, plus the option to convert your annuity into a steady, guaranteed, lifetime income stream, all while protecting your hard-earned principal from the uncertainty of market volatility.
When purchasing a FIA, you agree to pay for it in either a single lump sum or multiple payments over time. In return, the insurance company takes the risk of market downturns to protect your annuity value and also promises to make payments from the annuity to you in a single payment or series of payments, over a fixed number of years.
Money in an FIA earns interest based on changes to the index. Annual interest is calculated using a unique formula based on changes in the performance of stocks (S&P, Dow Jones, NASDAQ), bonds (Capital Markets Bond Index), or commodities (CBUE). The index is used as an external benchmark – you do not actually invest your funds in it. All contracts are different, so call Thomas Gucciardi.
Call Thomas Gucciardi at 954-804-4381
Generally, fixed indexed annuities (FIAs) have an interest rate floor, which is the minimum interest that will be credited each period – typically 0%, a participation rate, which is the percent of an index that will be used to calculate interest crediting, and/ or a cap, which is the maximum interest that will be credited. Together, the interest rate floor, participation rate, and cap determine the amount of interest you earn. Your interest earnings rate will always remain somewhere between the floor and the cap. It will not rise above the cap, even if the index goes higher. Conversely, it will never fall below zero, even if the index declines in value. In fact, the value of your money will never decline due to market loss for as long as it is in the FIA, although it can increase with a rising index.
Sound confusing?  It is really a simple concept. Plus a low risk retirement product with guarantees. Income for life is one of the many options you have. Call Thomas Gucciardi at 954-804-4381
If you withdraw your money from an FIA before an index terms ends, the annuity may not add all the index-linked interest for that term to your account. Additionally, like many long-term financial products, like CDs or mutual funds, FIAs have a surrender fee for early withdrawal, the terms of which depend on your contract.
Contracts generally allow you to withdraw 10% of your money without a penalty( read your contract) Therefore, 10% a year is very liquid for many people.  Just think , if you withdraw 10% of all your money and spend will be 50% gone in 5 years.  You may also reinvest the 10% each year.  You must know all tax ramifications.

Tom Gucciardi, Founder of

Saturday, February 9, 2019

Leave A Tax-Free Legacy To Your Family. Thomas Gucciardi

My name is Tom Gucciardi.  CEO and Founder of Global Financial Group.  I pride myself in having taught over 5,000 financial representatives in my life.  I also have over 500 million dollars under management.  My goal is to teach each family to avoid taxes and probate.(among other import items , such as 'risk")   It is a simple phone call 954-804-4381.

First, you can’t take the wealth you’ve accumulated with you (Leave it TAX FREE)   One of the reasons many look to build a strong financial portfolio, is to be able to ensure their loved ones are taken care of after they’re gone.
Second, no one wants to be a mess for those they care about to sort out – or worse, take on – when they leave this earth. Let myself Tom Gucciardi be the man and professional  to assist you.  I will put a book together for you.  I call it the "Bible for your children"  Upon death, the book is there to leave a tax free plan for them to inherit.   Furthermore, most people would hate to think their heirs had to deal with critical decisions, financial quandaries, or even dividing possessions, at a time when they will be grieving as well.
The best way to accomplish this is to call Thomas Gucciardi at 954-804-4381.  
Here are just some of the benefits of estate planning that you get to experience in the present:
  • In considering your estate plan, it’s natural to clear up the ‘clutter’ in many areas of your life. Relationships are contemplated and considered as you decide who will do what and who will get what when you’re gone. Frequently, this puts those relationships into new perspective and can be beneficial in strengthening them now—or in mending those that might need some repair.
  • Your wishes are solidified and made known in writing. Consequently, you have the peace of mind that comes along with knowing that your ‘affairs are in order.’
  • You get to have a say in who will take care of any children and even how you would like that done. This usually lends itself to conversations with Godparents and other family or friends. Thus, you can make sure any decisions you have made are truly a good fit for you and your kids or even other family members.
  • It prompts you to re-assess and re-evaluate assets and investments now, in a different light, considering or reconsidering what you will leave for those you love. In doing so, you may identify things you can – or should – change now to establish what you want to happen in a future with or without you in it.
Call Tom Gucciardi at 954-804-4381