TAMPA, Fla., Aug. 10, 2012 /PRNewswire/ -- With the U.S. stock market still reeling from losses suffered from 2007 to 2010, when the Federal Reserve says Americans saw their wealth plummet by 40%, investment professionals are looking for other avenues to help clients get their portfolios back on track. One such solution -- touted by Think Tank 100 -- is the Survivors Benefit Annuity (SBA), a unique, clearly designed annuity for all investors on an immediate basis.
As people live longer than ever before, retirees are worried about outliving their assets and becoming a burden on their families and society. Many aging Americans haven't yet found or committed to a financial strategy that will help their future retirement income keep pace with inflation, healthcare and taxes. There are also concerns about "market risks" and other complexities associated with investments in traditional equity and fixed-income securities as well as variable annuity and life insurance products. In the current tenuous financial market, the SBA program serves as a sound alternative in a sea of uncertain options.
"The SBA program makes the greatest sense for most Americans today," said Thomas Chamblee, veteran sales professional and President of Think Tank 100 (www.tutorman.com), a group of financial professionals committed to manufacturing and distributing an array of annuity products. "It's an approved annuity that guarantees your money back, plus your return will probably increase every year for as long as you live."
These days, investors are understandably cautious about risking their resources on Wall Street.
"There's no way to be certain how to make an honest investment," said Chamblee. "Just look what happened to Facebook after it went public and its stock is down 25%. You get scared but you have to invest. It's like going to war - scary - but vital." One way the individual investor can hedge against losses in an unstable market is going the SBA route.
"No other investment is guaranteed so you get your money back," said Chamblee. "That's a big bonus. Rates are going to rise for the investor. Isn't that what you expect?"
Under the SBA program, money is collected and invested. An annuity is paid out three ways -- as investment earnings, as the interest rate on sum investments the annuity company made and as a mortality credit where survivors receive a payment. Chamblee explained that those with this annuity who live enjoy the benefits of rising incomes for the rest of their lives - with no limit to the rising rate. Once payments increase they will never go down, but will rise to permit retirement with secure dignity.
For more information on the SBA program with Think Tank 100, go to: www.tutorman.com.
Thomas Chamblee, President
Think Tank 100
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SOURCE Think Tank 100