David has more than 23 years insurance, 16 years retirement planning, and seven years securities experience. He completed Certified Financial Planning courses at PDI Institute, Dallas, Texas.
Since 1994, David
has focused on providing a financially conservative, reduced risk
approach to his clients. Emphasis is given to investment safety,
liquidity, and potential tax reduction. David was born and raised in
Wisconsin, and has made his home in Plano, Texas with wife and family since 1981.
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Privacy: We will not sell your name or use your information for any other purpose than to provide you the FREE booklet.
Elders
Financial LLC
All products are provided by A. M. Best, highly rated insurance companies. Product features, endorsements, issue ages or riders may not be available in all jurisdictions. Limitations or restrictions may apply. Before purchasing or considering any policy, you should obtain competent tax and legal advice as to suitability of the product in question. Insurance products are not FDIC/NCUA Insured, not deposit of a bank, not insured by the Federal Government
TX Ins. Lic. # 817209
Email Address:
davidwiner@aol.com
4125 Stanton Blvd
Plano, TX 75093
Over the last 13 years we have seen a great number of advances in the Fixed Index Annuity, but also a great deal of sales abuse in regard to potential performance and suitability.
Our experience is that a 5 - 6% annualized return is realistic, but we've had clients earn as little as 3.7% over a 10 year contract term, and as much as 7+%.
Our favorite Fixed Index Annuity has the following features:
- 3% Minimum Contractual Guarantee on 100% of Premium
- 10% Instant Bonus with no Recapture for Early Surrender
- 7 Indexes to Allocate Funds
- No Surrender Charges at Death
- 8% Lifetime Income Rider
- And More . . .
"Buyer Beware" when it comes to the Fixed Index Annuity. Please allow us to properly explain the advantages and disadvantages of this annuity choice, and identify one that meets your purchasing requirements.
