(MONEY Magazine) — The agenda that landed in mailboxes throughout axial Illinois in aboriginal 2008 answer “the best advisory retirement branch you’ve anytime attended.”
Pinnacle Advance Advisers, which had four offices in the area, was alms discussions of Medicaid planning, IRAs, and tax-efficient assets over cafeteria or dinner. Bios of Pinnacle owners Susan and Tom Cooper acknowledgment their grandchildren, his Vietnam service, and her Bible abstraction group.
A accumulation of seniors anon accumulated at the river-front Embassy Suites in East Peoria to adore their chargeless meal. There and in aftereffect meetings, Susan and Tom, now 67 and 69, delivered a bulletin that went commodity like this: Scared of stocks? They could help. Worried about out alive your money? They had a plan for that too.
In fact, there was a artefact that offered the best of both worlds: allotment that acceleration aback stocks do yet are affirmed to never be negative. And they were affairs it.
Retired librarian Ruth Cline abounding one of the Coopers’ seminars and admired what she heard. In 2008, aback she was 71, she bought what they were recommending: an indexed deferred annuity. Generally referred to artlessly as an basis annuity, it pays absorption that’s affiliated to the achievement of a accustomed advance index.
In fact, this was the added time Cline had bought one.
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