I saw a video presentation by JD Melberg Financial online. Their concept of providing guaranteed income for life with hybrid annuities without the worry of market volatility intrigued me so I gave them a call. JD Melberg Financial put me in contact with one of their retirement planning affiliates in my local area. The service I received has been great. About 55% of my 401k money was used to purchase a hybrid annuity that will grow substantially until we start collecting income in about 9 years. The remainder is invested in conservative funds that are expected to yield good returns and provide other income options and flexibility. They also referred us to an estate planning attorney at discounted rates to complete all our estate documents.
In volatile economic times, it's prudent when one is nearing retirement to find something more secure to balance the risk in other investments, even at the expense of some growth. I think this info. provided by Senior Annuity Alert does just that.
JD Mellberg Financial took as much time as I needed to understand the conditions and terms of the financial advice without added pressure to sell. The process was done in steps supported with documentation along with phone conversations.
I was worried about being able to retire financially. I seen this annuity pop-up on the computer and clicked on it. It showed Josh Mellberg explaining what annuities are about and how they can help you. I gave my information to receive free brochures and a call came right through that evening and I spoke with a rep from the company. I was asked what I was looking for and I asked about annuities. We spoke for about 10 minutes and if I wanted to speak to a financial person about my needs. I accepted and we set up a phone conversation date and I was given to brochure I was interested in which were "Is an Annuity Right for You?" and "How An Exciting Family of "Hybrid" Index Annuities Works." Great information I was scared ready about them and then became more comfortable about them as I read on. I wrote down some questions to ask during the phone consultation. My consultation time arrived and I spoke with a gentlemen and afterwards was asked if I wanted to meet with a representative from the Pittsburgh, Pa area. I was excited about this and met with my now financial advisor Beth Andrews. We met three times for about an hour each and we set up a retirement plan for me and I am now looking forward to retiring soon. Thanks to the video of Hybrid Index Annuities and Josh Mellberg. You owe it to yourself to look into this. You will have no regrets. Learn more from this company and live a carefree financial retirement.
Senior Annuity Alert provides outstanding insight for how best to use annuities to develop a relatively safe income source for life. It simplifies the complex world of annuities in easy to understand terms that enable individuals to make sound financial decisions.
I am very pleased with J.D. Mellberg Financial. They are highly rated with the Better Business Bureau. From the moment I contacted them, I was impressed with their prompt and courteous response. I was referred to Todd Rustman and enjoyed working with him very much. He is a true professional with impressive credentials, who is very knowledgeable AND a great listener. He was able to guide me through an intimidating and complicated process to assist me toward my modest financial security. I appreciated that the process was organized, efficient, and not a high pressure experience. I would highly recommend J.D. Mellberg Financial if you are looking to calm your anxiety over this volatile and uncertain economy. A hybrid annuity has given me real peace of mind. Thank you Todd and J.D. Mellberg. I feel that you truly care about my financial security and I look forward to a long and solid relationship with you.
My old financial adviser was not very available or responsive to my needs, but when I contacted Josh Melberg I was put in touch with a local adviser, Sean P. Lee. Sean was attentive, responsive and helped me with some important questions I had and made some adjustments to my investment portfolio and long term strategy. He even came to my house four our first visit. A couple of months ago he took me, my son and my nephew on a golf outing to a beautiful country club, lunch included. Thanks Sean and Josh!
The info I initially got from Josh lead me to follow up with a local associate of his firm in my area. I was getting monthly pension payments and being offered a lump sum I'm currently working and don't really need it now so what they had to offer me confirmed I could increase the payment once I needed it again but have it grow at a guaranteed greater value that sticking it in a bank. What was the real clincher is that the payment will be greater than what was my monthly pension and it will continue for life (mine and my spouse) even if I run out of principle.
For a long time I was really frustrated with my variable annuity. I really didn't understand what I had purchased. It had absolutely no income riders to protect me, just a death benefit that didn't do me any good but was great for my beneficiaries. What it did have though was high fees that profited both my agent and the issuing company, even through the recent recession. I don't recall exactly how I discovered Senior Annuity Alert, but it was the best thing that's happened to me in years. I enrolled in the email newsletters and took advantage of every free brochure I could get. Finally, about 2 months ago I decided to make a change. I cancelled my variable annuity and purchased two time-phased hybrid indexed annuities that will guarantee me income for life no matter what happens to the stock market. I am so relieved! Incidentally Senior Annuity Alert not only provided the excellent educational materials, they also referred me to a local independently licensed agent that I am very pleased with, and that I expect to work with for many years to come. Thank you very much Senior Annuity Alert!
I contacted JD Melberg for annuity edicational materials and a referral. They sent the material promptly and referred me to financial planner Lance Scott in Baltimore. Thanks to JD Melberg, I have found an excellent financial planner.
My wife and are 66 years old and like many, we woke one morning to find that my 401K and her government TSP took a bath when the market took it's big hit. Since then I have been moving it around within the limits, both choices and amount of moves my company plan allowed, and slowly getting back to where it had been. My wife's came back a little quicker but was still in funds that could cause her to take big losses. Every morning I would log into my 401K, navigate to the balance sheet, hold my breath and hope I was either still moving forward or at least maintaining status quo. My wife's motto was if I don't look I won't get upset. We had already moved out retirement plans to the right and now wanted to retire in mid 2014. In March of 2013 I saw one of the JD Mellberg Financial ads talking about Senior Annuities and called. They put us in touch with Bob and Ian Woods of, Woods Financial in Chesapeake, Va. Even though Bob and Ian seemed very knowledge about their business, when they told me they could put our money into a modified Annuity plan than would protect it from loss, allow it to continue to grow, and allow that retirement to happen, I was skeptical. After awhile we agreed to have them prepare a plan for us to consider based on our existing assets. When we returned a few weeks later Bob and Ian blew us away with the plans they had laid out and helped us select the one that will allow 2014 to be our retirement year, Since we are both 66, we were able to cash out our 401K and TSP (not to zero as we continue to put the same amount of money in until we cash out in 2014) and invest the bulk of our assets in the plan Bob and Ian had helped us settle on. What's the difference you may ask, well in the plan we selected our money will continue to grow at a minimum rate of 7% (at first I didn't believe that either) and it's as safe from loss as if it were locked in my safe deposit box. Toooooo good to be true. That's what I said at first. But now I log on to my 401K and see the small amount of money I have in there still growing slowly through my contributions and a favorable market, but I don't have to stay awake at night wondering if I log in tomorrow and it's all gone what will I do. I'll be a little upset, sure will, but since my retirement is now secure, it would be nothing more than one of those little bumps in the road that life throws at you from time to time, not the potential retirement ender that had the bags under my eye getting ever bigger and bigger. . Is this plan fore everyone. Probably not. But it's certainly for us !! Tks Josh and a very special Tks to Bob and Ian Woods !! Sleep never felt so good !!! George and Rita
Very professional and took there time to explain various plans at length and answer ANY question I had concerning my future income... I would recommend them to anyone having full confidence that they will do the same for them as they have done for me!!!!!
Although I did some home work on my own, Senior Annuity guided , and gave me choices with highly rated companys, without a lot of high pressure. The final decision was mine, and to date, I'm very well pleased at how I was treated by the staff, and their knowledge base..
I couldn't have been more pleased with the representative J.D.Mellberg sent to my home and explain and discuss my financial situation and eventual purchase of an annuity. I feel so at ease now knowing that my money is working for me without the anxiety associated with the stock market. I would recommend J.D.Mellberg and especially the representative they sent me without hesitation. Steven R. French
I called your AZ number after watching a video on annuities by [private data removed]. I was referred to [private data removed] in St. Louis Park, MN. We were very, very, very disappointed with [private data removed] for many reasons and have exercised our free look on the annuity he sold us and have found another financial advisor. Evidently [private data removed] and your organization does not investigate advisors prior to referring clients.
I do not feel that this annuity was explained well to us. We were given our policies at a dinner and had no opportunity to go over what we were getting or to ask questions. I'm very disappointed and wish that I had it to do all over.