Annuities: Protecting Yourself Against Uncertain Markets

When it comes to growing and preserving wealth, it’s important to bear in the mind the volatility of the markets and how it could impact your retirement income. Fortunately, there are ways to help shield your savings from market woes. Designed to protect, grow, and provide a guaranteed stream of income is an annuity. Align yourself with less risky investment vehicles such as these that can offer upside potential and protection against the downswings. Here are some additional potential advantages to mull over:

  • It creates an income floor that you can’t outlive, regardless of how long you live or how the markets perform.
  • It can help cover essential expenses that Social Security and any pension payments may not.
  • It grows tax-free up until your retirement.
  • It can generally yield higher returns than other low risk investments, such as CDs, money market accounts, or bonds.
  • It can offer more risk-taking for potentially better returns.
  • It can provide a death benefit to have your income payments or account value be passed onto your beneficiaries.

Build confidence from uncertainty by diversifying your portfolio with an annuity. Our lines are open–contact us at our Woodbury Office at: 651.414.0016 or our Hudson Office at: 715.808.8981  to learn more about how an annuity can fit into your retirement plan


Coconut Curry Salmon

This easy salmon curry recipe is the ultimate comfort food. Serve it on a bed of rice or with a side of bread to soak up all the deliciousness.

For the salmon:

  • 1 1/2 lbs. salmon
  • 1 tablespoon brown sugar
  • 1 teaspoon curry powder
  • 1/2 teaspoon onion powder
  • 1/2 teaspoon garlic powder
  • 1/2 teaspoon kosher salt (more for a larger filet)
  • 1–2 teaspoons olive oil

For the coconut curry sauce:

  • 1 tablespoon olive oil
  • 2 cloves garlic
  • 1 small knob of ginger
  • 1 tablespoon of lemongrass paste
  • 1 tablespoon brown sugar
  • 1 tablespoon red curry paste
  • 1 can coconut milk
  • 2 tablespoons fish sauce or soy sauce
  • Lime juice and zest
  • 3 cups fresh spinach, chopped
  • Cilantro, basil, mint, or other fresh herbs


  1. Get the oven ready: preheat the oven to 475 degrees. Line a baking sheet with foil. Place one of the oven racks is closest to the top, about 6 inches or so.
  2. Salmon: mix the spices and the olive oil to make a paste. Place the salmon skin side down on the baking sheet. Rub the paste liberally over the top part of the salmon. Bake for 6-12 minutes (depends on salmon thickness and desired doneness).
  3. Coconut Curry Sauce: heat the olive oil over medium heat. Add garlic, ginger, and lemongrass; sauté for 5 minutes. Add brown sugar and curry paste; sauté for 3 minutes. Add coconut milk. Season with fish sauce and lime juice to taste. Add spinach; stir into the sauce until wilted.
  4. Serve: place salmon over rice or with a side of bread.

Recipe adapted from Pinch of Yum1

Compress the Ball

Most great golf players have at least one thing in common: they compress the ball. Maybe you’re not a tour pro, but that doesn’t mean you can’t make the same type of ball contact as the pros with your irons. Try out this simple drill to consistently make solid contact.

  1. Lead with your lower body. Bump your left hip toward the target so that your belt buckle is in front of the ball before impact.
  2. Make a palm-down strike. Strike the ball with your right palm facing the ground–the key to compression.
  3. Get on “up”! Get your left side up through impact. You’ll catch the ball first and the turf seconds.

Tips adapted from Golf.com2

“C” Why Vitamin C Matters

Vitamin C is important to many funtions in the body, including growth, development, and repair of all body tissues. The recommended daily intake is 90 mg for men and 75 mg for women.

Not sure if you’re not getting your daily dose? Here are some common signs of vitamin C deficiency:

  • Rough and dry skin
  • Easy bruising
  • Slowly healing wounds
  • Poor immunity
  • Fatigue and poor mood

And here are some of the best food sources to help you reach your daily recommendation:

  • Blackcurrants
  • Lychee
  • Lemon
  • Orange
  • Strawberry
  • Papaya
  • Broccoli
  • Kiwifruit
  • Guava

Tips adapted Healthline3

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This document is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products Insurance policy applications are vetted through an underwriting process set forth by the issuing insurance company. Some applications may not be accepted based upon adverse underwriting results.  Death benefit payouts are based upon the claims paying ability of the issuing insurance company. The firm providing this document is not affiliated with the Social Security Administration or any other government entity.







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