Investment Advisors St Petersburg, FL

Our Business Is Built Around You,

The Retirement Investor

Today’s investors are building even more solid financial foundations. Retirees are working longer, and getting more involved in financial planning, because they are living longer into retirement. Younger families are looking ahead, preparing sooner for their future needs.

To provide maximum flexibility in creating your personal financial solution, ACM offers a wide range of investment and financial products:





Safe Money Alternatives for the Retirement Investor

How you will spend your retirement years is largely a function of how well you saved and invested for retirement. Maintaining the same comfortable lifestyle you enjoyed while you were working is an achievable goal. Over the years, if you regularly contributed to an employee retirement plan or funded your own retirement account, you may have a substantial sum of money that can give you the retirement that you desire.

Accumulation Period

Time is your best friend when you are saving for retirement. If you start investing for your retirement when you are 25 and have a 40-year time horizon before you will need to access those savings, your money can easily grow to more than a million dollars. Although the stock market can fluctuate greatly in any given year, over time, historic market returns average about 8 percent per year.

Not 100% stocks
100% stocks
Historical Risk/Return (1926–2012)
Average annual return 8.0%
Best year (1933) 54.2%
Worst year (1931) –43.1%
Years with a loss 25 of 87

When time is on your side, it allows the power of compounding to have the maximum positive effect on the growth of your portfolio. Whether you invest in individual stocks, mutual funds or ETFs, you should make your investments in a tax-advantaged retirement account.

  • Roth IRA
  • Traditional IRA
  • 401(K)
  • SEP

A Solid and Safe Money Investment

Once you have built your retirement nest egg, the question becomes how are you going to invest that large sum of money? While $500,000 may seem like a fortune, it really is not. Your retirement savings will gradually be depleted as you use it for living, medical and long-term care expenses. You may want to leave something for your children and grandchildren. Inflation can erode your purchasing power.

To achieve the desirable goal of preservation of capital, as well as earning higher than average interest on your investment, life insurance companies offer annuities.

  • Hybrid Annuity
  • Income Annuity
  • Index Annuity

When you invest in an annuity, you can fund your purchase from the proceeds of a retirement account or from any other savings you have. A hybrid annuity has two distinct components. The account value consists of your initial investment plus the guaranteed growth rate of the investment. The benefit value is the total amount of benefits that will be paid over the life of the annuity.

Typically, you are guaranteed a minimum interest rate by the life insurance company. You also have the potential to receive more than the guaranteed rate of interest if the index (often the S&P 500) that your annuity is tied to does well. Although you will not earn extra interest if the index loses ground in a particular year, you will never actually lose money.
Annuities fixed to an index allow you to share in the positive performance of the stock market, but not be affected when the market goes down. Instead of putting your retirement savings into a low-interest CD or other “safe” investment, you will get the same safety with a fixed index annuity and a better rate of return.

Talk to an Annuity Expert

Your financial needs in retirement are likely to be different than your neighbor’s financial needs. You may have a different time horizon, different amount of money to invest and different income needs. Fixed index annuities come in many variations and it is best to sit down with an expert on annuities to find the right annuity for your personal circumstances.

Advanced Capital Management, Inc. can show you how to get better returns on your retirement dollars and provide you with the income you need. Why not find out more about how a lifetime income annuity rider works? It costs you nothing to find out if a Fixed Index Annuity is the right option for you. Just click on the orange “Get Annuity Quote” button to the right and see how you can generate more income, safely, for your retirement.

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