New Jersey Annuity Investment

"Your Local New Jersey Fixed and Variable Annuity Specialist!"

We also offer experienced annuity investment guidance in the following New Jersey counties and
cities: Union County, Essex County, Bergen County, Passaic County, Sussex County, Morris
County, Warren County, Hunterdon County, Somerset County, Middlesex County, Monmouth
County, Mercer County, Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway,
Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield,
Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside, Gillette, Warren,
Watchung, Stirling, Millington, Middlesex, Martinsville, Piscataway, Edison, New Brunswick,
Highland Park, North Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City,
Weehawken, West New York, Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus,
Fairview, Ridgefield, Fort Lee, Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield,
Teaneck, Paramus, Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield,
Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington,
Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great Notch, North Caldwell,
Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley,
Kingsland, North Arlington, Kearney, Harrison, East Orange, East Newark, Orange, Irvington,
South Orange, Hillside, Townley, Livingston, Wayne, Trenton, Camden, Atlantic City, Princeton,
Vineland, Willingboro, and Toms River, NJ.

We offer innovative and safe annuity investment products that can help you
accumulate savings for retirement or convert your retirement savings into a
series of guaranteed income payments spread out over a specified period of
time. An annuity offers unique benefits such as tax deferral, flexible payout
options, penalty-free withdrawals, and can also help to dramatically reduce the
chances of outliving your savings

We offer four types of annuities:

New Jersey Fixed and Variable Annuity Investment Services

Fixed Tax Deferred Annuity

Fixed Immediate (Fixed Payment Annuity)

(Click on one below to learn more)

Variable Annuity

Equity Indexed Annuity

Guaranteed Income

An annuity can provide you with a guaranteed lifetime
income regardless of how long you live. No other investment
product can provide such a guarantee.

Unlimited Contributions

Unlike other tax-advantaged investments such as IRAs, you
can contribute an unlimited amount of money to an annuity
during the year, whether in periodic installments or a lump
sum. Individual insurance carriers may place a ceiling on the
total amount you can put into an annuity without approval.

Bonus Rates

Some annuities award investors with bonuses at the end of
the annuity's first year such as extra interest that further
increases your investment.

No Risk of Loss ("fixed" annuities)

Unlike other forms of stock or fund investments, an annuity
that is invested in mutual funds or are tied to the stock
market performance may include minimum guarantees to
limit the amount of investment risk.

No-Penalty Annual Withdrawals

Most annuities have a provision that allows you to withdraw
a certain amount per year penalty free. For instance, you
could choose to withdraw 15% per year for set expenses
such as other insurance premiums or for whatever purposes
you desire.

No-Penalty Rollovers

Company pension or profit-sharing plan payouts may be
reinvested without incurring current taxes or penalties.

No probate in case of death, as long as you specify
beneficiaries.

Which means your family will find it easier and less costly to
obtain the value of the annuity.

No initial sales charges ("no load") or annual fees.
Annuities are generally no-load, no-fee investments, which
means more of your money is actually invested than with
investments where some money is used to pay an initial or
annual charge.

Shelter Investment Earnings

Retired people can use annuities to shelter investment
earnings that would otherwise lead to taxation of Social
Security benefits.

Annuity Advantages

A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a
contract between you and an insurance company for a guaranteed interest
bearing policy with guaranteed income options. The insurance company
credits interest, and you don't pay taxes on the earnings until you make a
withdrawal or begin receiving an annuity income. Because fixed annuities
invest your premiums in interest bearing obligations, you receive a lower
return in comparison to equity indexed annuities, since interest rates
historically trail stock market returns.

Many people today are using a tax deferred annuity as the foundation of their
overall financial plan. The most important difference between an annuity and
CD's is that annuities allow for the deferral of the taxes due on the interest
earned until the interest is withdrawn. By postponing the taxes your money
compounds faster because you can earn interest on dollars that would have
otherwise been paid to the IRS. Later, you can decide to take a monthly
income and your taxes will be less because they were spread out over a
period of years. Similar to CD's, an annuity has a penalty for early surrender,
but most annuity contracts have a liberal free withdrawal provision.

Fixed (Tax Deferred Annuity)

Tax Deferred Annuity Advantages - Savings

You pay no taxes while your money is compounding. You can also pay a
lower tax on random withdrawals because you control the tax year in which
the withdrawals are made and only pay taxes on the interest withdrawn.

Speak with our Annuity Investment Specialist by calling 732-680-4444 or click
on the link below to fill out a quote request form for a Tax Deferred Annuity
that will help you build additional savings for retirement or other purposes.

Tax Deferred Annuity Advantages - Taxes

A fixed immediate annuity, also referred to as a fixed payment annuity, provides
you with a stream of income payments from your original purchase payment.
The amount of your income payouts is determined by the guaranteed interest
rate and the payout option you select. A fixed immediate annuity can begin
benefit payments as early as one month and no later than 13 months from the
date of purchase and is intended for investors who need a guaranteed income
stream to begin soon.

Fixed (Immediate Annuity)

Speak with our Annuity Investment Specialist by calling 732-680-4444 or click
on the link below to fill out a quote request form for a Fixed Immediate Annuity
that will help you build additional savings for retirement or other purposes.

Click HERE to fill out a

Tax Deferred Annuity Quote Request Form

Click HERE to fill out a

Fixed Immediate Annuity Quote Request Form

Equity Indexed Annuity

An equity indexed annuity offers you what could be described as the best of both
worlds: a market driven investment with potentially strong returns, plus a
guaranteed minimum return. Equity indexed annuity returns are tied to indexes of
market activity and not to the performance of individual stocks or funds.

The equity indexed annuities we offer are tied to the following: S&P 500, Dow
Jones Index Acct., S&P MidCap 400, NASDAQ, and the Russell 2000.

A equity indexed annuity will guarantee you a minimum interest rate (often about
3% on 90% of your investment) while offering the potential of higher rates by
tying your return to an index such as the ones mentioned above.

While similar to investing in the stock market, you won't take part "dollar for
dollar" in a rising stock market. You are offered a percentage of how much the
index gains over a period of time (not including dividends, which accounted for
about 30% of the total return of the S&P 500 for the last 20 years) and a
guaranteed minimum return if the stock market declines.

Speak with our Annuity Investment Specialist by calling 732-680-4444 or
click on the link below to fill out a quote request form for an Equity Indexed
Annuity that will help you build additional savings for retirement or other
purposes.

Click HERE to fill out an

Equity Indexed Annuity Quote Request Form

You are paid an interest rate on your money and your money grows like a
savings account or you're paid a monthly income lasting for a period of time.
You can choose the monthly income to last for a set number of years or for
the rest of your life. It may also be for the life of yourself and your spouse
should you choose to do so. Most people choose to begin receiving annuity
income when they retire and continue receiving it for the rest of their life.

The money you invest in a variable annuity grows on a tax-deferred basis.
Your annuity income is taxed as normal income when you begin receiving it
(though no income tax is paid on that portion of the income that represents
the money you originally paid into your annuity). Since most people receive
annuity income after they retire when they may be in a lower tax bracket,
they generally pay less tax on annuity income than on income they earn
while working full time.

Other important taxation points include: Whether you're in the payout
or accumulation stage, any income you actually receive from an annuity is
taxed as ordinary income rather than as capital gains. If you withdraw
money prior to age 59 1/2, you may be subject to an IRS tax penalty of
10% of the accrued earnings.

Click HERE to fill out a

Variable Annuity Quote Request Form

Variable Annuity

Speak with our Annuity Investment Specialist by calling 732-680-4444 or
click on the link below to fill out a quote request form for a Variable
Annuity that will help you build additional savings for retirement or other
purposes.