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Gelinas Financial Group, Inc.

LISTEN, UNDERSTAND, RESEARCH, HELP. Money management has a new reality. Financial-planning efforts must consider “the whole client.” We offer a multi layer approach that starts with education. We strive to gain your trust then deliver the results you seek. At Gelinas Financial Group, Inc., our passion is supporting our clients by adding value: You need information to make correct decisions. We’ll help you achieve higher levels of success and better process management through cutting-edge solutions, training, mentoring, and continuing education. Our objectivity and independence mean you get the financial-planning and risk-management solutions that meet the unique demands of your present situation. We offer our expertise in the following areas: Financial Planning Retirement Planning Insurance Investment Coaching Annuities More Hope is not a strategy. We meet with our clients regularly to scrutinize their investments and make adjustments.

Variable Annuities: Key Factors

Shawna Kreis Shawna Kreis , 3/4/2015
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Gelinas Financial Group, GA, AnnuitiesMost insurance buyers wonder whether they will have enough money to be comfortable during their retirement. Many people are also taking steps to improve their situation which includes saving money and making changes to their investments. If you are concerned about your assets, here are five investment tips that will make it easy for you to create a reliable source of income.

A variable annuity is an investment tool that can help put your retirement savings back on track. It offers a combination of insurance and investment options. Not all variable annuities are the same which is why you need to get the type of contract that is the best for your particular needs. When you are looking for VAs, you can start by considering the following tips: Financial Strength Ratings – A variable annuity depends on the insurance company that issues it. The ability of the company to cover claims should be considered a key factor when you buy variable annuity. Look for companies with high financial strength ratings from major ratings agencies. Remember that ratings do not affect your investment return or principal value of investments. Investment options – This is probably one of the biggest benefits of a variable annuity. It has the ability to direct your contributions to a number of professionally manages stock and bond sub accounts. Many companies offer a guaranteed interest rate fund option, which provides a competitive rate of return. VAs are investments that are designed to be made long-term. However, there are unforeseen events that will force you to access the money in your contract. Be sure you are aware with what is involved in taking money from your variable annuity. Variable annuities offer different advantages. Not all variable annuity contracts are the same. A little study before purchasing can help you ensure that you select the best contract for your needs.