Retirement on the right path

Take control of your retirement

The goal of Pesci Financial Group is to help our clients get a conservative return on your investment over time. We believe slow and steady wins the race! Most importantly, we make sure that your principal and interest is protected while allowing you a steady growth. This amount over time can be between 4% and 6% annually, according to many publications and the market history.

Almost anyone with money in the market loves it when the market is up but worries when it goes down. Downturns can often mean you will lose your returns and your principal.

Imagine getting the upside without the downside! What if you could live your life worry-free and knowing that a downturn in the market wouldn’t effect you? Stress is an awful thing to live with. Sleepless nights worrying over money? What if you could be done with that?

Don’t wait any longer! Call us or fill out the form at the bottom and we will set up a no obligation consultation. Rest easy knowing your retirement is on the right path. Your principal and interest will be safe and we will make sure you understand everything in simple terms. Simplicity is one of our key principals! Let’s find the right product for your financial future.

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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....


understanding a fixed index annuity couple in woods

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...


understanding the benefits of annuities

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...


tax deferral rules for annuities


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...


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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