protection of your principal

Take control of your retirement:
INvest safely

You work hard to earn and save money. You don’t want to lose it by putting it somewhere that has too much volatility or risk due to a market downturn. Everyone wants to know how to invest safely. At Pesci Financial Group we believe that your principal and interest should remain protected. Our products do exactly that so you no longer have to worry about ups and downs in the market. We have all known someone who lost significant amounts of their retirement savings after one bad year in the stock market. Don’t let that happen to you! Call us or fill out the form at the bottom and we will be happy to meet with you and explain in simple terms some alternatives that will keep your principal and interest protected allowing you to invest safely in your retirement. At Pesci Financial Group we believe everyones retirement plan is unique as you are. We will work with you to find a product that fits your needs and keeps you protected.

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Educate Yourself - Time To Rethink Retirement

Saving for your future is more important than ever today. Traditional defined pension plans have fallen by the wayside and the cost of living is increasing every year. Advances in medicine have given us longer lives but the cost of healthcare is skyrocketing. Every American has a greater responsibility to save.


The Basics

A fixed index annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future....


Who's Who in a Fixed Index Annuity

Insurance Company: This is the company that issues the annuity. The insurance company is responsible for backing the annuity’s guarantees.
Contract Owner/Annuitant: These usually are the same person, but they can be different. The owner makes decisions about the...


the Benefits

A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income. Let’s take a...



A fixed index annuity offers tax advantages. During the accumulation phase of your contract, any interest growth is tax-deferred. If you purchase your fixed index annuity with after-tax dollars, you will only pay ordinary income taxes on your earnings – not on your...


simple money management from Pesci Financial Orem Utah

Indexed Interest Potential

Another advantage of a fixed index annuity is the opportunity to accumulate interest based on changes in an external index. Some FIAs offer you a choice of indexes rather than just one. In addition to choosing your indexes, you can also determine what portion of your...


Protection Benefits

A third important advantage of a fixed index annuity is the range of guarantees and optional protection benefits available. These benefits allow you to transfer risk to the insurance company issuing the fixed index annuity. These guarantees help protect your assets, your retirement income, and your beneficiaries. In exchange for the risk transfer, the benefits may carry an additional cost that will vary by product and company.

ACCUMULATION: Annuities are subject to surrender charge periods which can vary, but are generally between 5 and 10 years in duration. As long as you abide by the terms of your contract, you will not lose any of the money you place in your annuity due to surrender charges. And any interest credited to the contract is locked in and protected as well.

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