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  • home
  • about us
  • concepts
  • testimonial
  • Q&A
  • Events
  • Resources

Frequently Asked Questions

Please reach Yan at YanAtlanta@yahoo.com  or call/  text 770-634-5396 

if you do not see the  answer to your question.


1.  How are you different from any other financial advisers /companies? 

Unlike captive companies and agents, we won’t limit ourselves to work  with a particular company or a group of companies. We set a high  standard with our services. We provide the best available solutions in  the marketplace, by solely working with the industry leaders in  providing the best available Safer Money Solution(s) which apply the Safety with Growth Concept.  Many people put everything in one basket and lose control of their  financial future. We teach people exactly the opposite and share  practical knowledge and concepts to solve their problems with powerful  solutions.


2.  How will I benefit?

If your answers are solid "yes" to all three principles we withhold, which are Safety First; Reasonable Rate of Return; Simplicity,  then we have a good fit. Once we review your situation (either through  the Case Design Questionnaire you fill out or your financial concerns  you share with us), we will set up an one on one consultation meeting,  to present you a solution(s) particularly fit to your needs.

Here is what we can help you achieve. From Risky to Safer; From Low Interest to Better Return; From Paying Taxes to Tax Efficient, are these what you want?


3.  Is it FDIC insured? Is this insurance?

It’s not FDIC insured, because FDIC is for bank products only.

Equity Index Strategy is applied to two major financial products −  Equity/Fixed Index Annuity (FIA) and Equity/Fixed Indexed Universal Life  Insurance Policy (FIUL). Both FIA and FIUL solutions are provided by  insurance companies and all guarantees are backed by the financial  strength and claims paying ability of the insurance companies.

Most people use insurance companies for the most important protection  of their valuable assets like properties, vehicles and health…Why not  having protection on our hard earned retirement asset and our precious  life, too?


4. How do the financial companies make money if they give money guarantees? How do you make money?

FIA and FIUL are designed for mid term and long term financial needs.  However there is a surrender charge or penalty if you break the  contract, just like any other financial products (for example, bank  CDs). Insurance companies make money through time by doing sound  investments and good asset management for clients’ assets.

All our services for you from Retirement Solution 101 are free of  charge. Consultants like us get paid by the financial companies, not  clients. We believe in the Win-Win strategy.


5. How do I know if the financial company is sound and trustworthy? 

You can check out the financial strength ratings of insurance companies from reputable third party rating agencies like A.M. Best; Fitch  Ratings; Standard & Poor’s and Moody’s…Also, you can check the  company comparisons in the same industry by sales track records on  particular financial products and company financial details (for  example, asset under management, the rate of insolvencies…).


6. What happens if the company goes bankrupt? 

According to U.S. News & World Report…

What happens if the company you buy an annuity from fails?

’The law requires insurance companies to set aside reserves for the  money they guarantee, which makes them less vulnerable than the banks  that have had trouble recently, says Reese. If an insurance company were  to go bankrupt, then the state gets involved, either by selling the  struggling company to a different one or by calling on the state’s own  insurance program. "I’ve been unable to find a situation where anyone  has lost a dime on guaranteed amounts," says Reese.’ ---  Palmer,  Kimberly. "Annuity: the Answer to a Week Stock Market?"nbsp; U.S. News  & World Report 21 Jan. 2009. 22 Jan 2009  http://usnews.com

Other Sources for references: http://www.nolhga.com/ (National  Organization of Life & Health Insurance Guaranty Associations  Website)


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Contact Info: call/ text - (770) 634-5396

YanAtlanta@yahoo.com

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Retirement Solution 101 Atlanta, GA E-mail: YanAtlanta@yahoo.com Phone: 770-634-5396

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