Insurance can make an enormous difference in how clients allocate funds — to help manage the risks associated with other areas of a portfolio.

Feliciano Financial Group’s professionals are dedicated to preserving the assets and financial confidence of individuals. We provide a wide range of annuities [simple_tooltip content=’Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.’][/simple_tooltip], life insurance, long-term care and disability products through some of the nation’s leading issuers. Annuities and insurance platforms offer several benefits including flexibility, tax-deferred growth, estate planning assistance and fixed or variable retirement income.

Arriving at the best decision requires the advisor and client to discuss the client’s needs and investment profile, particularly as they relate to long-term objectives and risk appetite.

Structured in the right combination, life insurance can offer a sure way to transfer financial legacies via a death benefit with tax efficiencies and cash value growth potential.

For instance, while the overarching value of life insurance is the death benefit as a source of income replacement, some policies also have features that can be used to help consumers manage the risk and preserve wealth from the effect of taxes, market volatility and longevity. Certain policies also have an investment component that, structured the right way, may accumulate a cash value.