Southern Keystone Services

Our firm tracks the highest rates available
from most top-rated banks and dozens of top-rated financial institutions. All of our savings plans, and investments are fully insured against the loss of your principal.

With the Federal Reserve increasing rates greatly, we have the highest rates that have been available
in the last ten years. And naturally, that also means the price of securities (stocks, IPOs, mutual funds)
have dropped at a disastrous rate. Many people have just stopped looking at their 401Ks. And people
in their sixties who are about to retire and are still heavily invested in the markets are going to suffer
from a condition called the "sequence of returns risk." This risk impacts people who are about to retire
while investing in securities plans that are dropping at this point in their lives. Due to this risk these
people will probably never recover their savings over the rest of their lives. As shown in the attached
accurate photo image. If your investment drops fifty percent, it will have to grow at a 100% growth
rate to recover your original principal.

That's why we only offer fully insured CDs, private investments, and A-rated financial institution plans.

Feel free to reply or call me at any time to check on the latest rates across the country.

Regards,

John Schultz

We are all dealing with the new normal in our day to day lives. Each of us need the support of our loved ones to carry us through these challenges. One of challenging new facts of life is that the Federal Reserve is lowering interest rates back to near zero. It remains to be seen just how low the various financial institutes will set their time deposit (CDs) , Bond , Municipal Bonds and Treasuries. I attended two webinars last week by Professor Jeremy Siegel of the Wharton School. He is an award-winning researcher, and acclaimed author. He discusses how to reposition retirement portfolios following the COVID-19 crisis. He confirmed what I had concluded about the future of all classes of investments that are dependent on interest rates in general. All of those investments will be impacted by the lowering of all interest rates and if you are looking for higher certificates of deposit ( CD ) rates or high yield bonds, you need to look at other classes of investments.

Professor Emeritus Siegel stated that fixed indexed investments that are based on volatility controlled indexes such as Morning Star's Wide Moat Focus Target Volatility 20%, JP Morgan's Mozaic II and the NYSE® Zebra Edge Index will perform well in some of the upcoming years. Unfortunately investing in these volatility controlled indexes still involves risks in todays extremely volatile markets. Professor Siegel suggested making use of fixed index annuities to access the high yield performance of these excellent indexes WITHOUT THE ASSOCIATED MARKET RISK of THE INDEXES !

Fixed Index Annuities use the performance of these great industry standard indexes without the threat of having any negative interest rates in any year. He pointed out that you can achieve this ongoing positive results year after year because fixed index annuities do not invest your funds directly in any index or security. And you always have the choice of selecting a no-fee fixed index annuity.

This class of fixed annuity can provide you with a lifetime income stream and/or a great capital appreciation plan. And if you choose to use a ROTH based annuity, it will allow you to have a TAX-FREE retirement. There are dozens of great life insurance companies whose stability allows you to weather economic storms like today's. These are the safe carriers of these highly rated fixed index annuities. The Wharton School of Business is one of the top business schools in the world and they have completed a two year study to determine "What is the Best Investment for the average investor?" Their team of the highest rated financial specialist determined that the fixed index annuity provides the best over all returns on your investment.

A large number of key regulations that impact YOUR RETIREMENT HAVE CHANGED !
On December 20, 2019, the SECURE Act was signed into law by the President
Many of our clients and friends have individual retirement accounts, investments that are from 401K plans and other pretax "Qualified Money Plans." Everyone who is relying on money from their individual retirement plans knows that they have been required to withdrawal their "Required Minimum Distribution" from their pretax retirement accounts when they reach 70 1/2 . That requirement and others have now all changed!
This act has enacted the most changes that the retirement income industry has seen in years:

**If you plan to leave your IRA or 401k or SEP plan qualified
money to your grand children, this new law could block your
attempt to leave legacy to the GRAND KIDS !

** Most ROTH accounts will now be far more attractive and
flexible

** Also stretch IRA's usefulness will be greatly reduced as an
option.

** Including: the age for required minimum distributions
(RMDs)

** The required age for the start of RMDs is going up to 72.

Contact us for a detailed description of these critical changes.
Our advisors are excellent educators, they can discuss the reasons that certain. ROTH accounts and high quality annuities can now provide you with outstanding advantages and yields under this new law. We can help you to select the best of these high yield annuities, call us for our webinar and office hours. We will be offering a easy to understand webinar on these excellent new solutions for the average investor.