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Feel free to download and review any of the in depth papers listed below.

Safe Money Guide

When you consider the tumultuous economic and political environments we are witnessing at both the national and international levels, it is not difficult to see how timely and important the notion of “safe money” has become. The goal of this guide is to introduce you to annuities in the context of your financial and retirement planning. It will certainly not answer all of your questions (as every personal financial situation is different), but it should provide a solid understanding of annuities, how they work, and how they may or may not fit into your overall planning.

Annuity And Investment Report

In the past, it was taken for granted that the stock market would rise over almost any specific time period, our homes would increase in value, the stock market could be depended on; history has now proven that is not necessarily correct. Over time, the stock market may rise, our homes may increase in value but the time horizons for that time period may not match for the individual Baby Boomer. This Report examines investment options available to the Baby Boomers.

Best Annuity Rates Report

In assisting you in meeting your fixed interest and income needs, we believe in annuity and product education. This document is our attempt to help you better understand our annuity perspective. Once you have that understanding, you can make a decision if you want to learn more.

Life Insurance Guide

Life insurance comes in many different forms and what you choose for protection should be in line with your goals. One of the beautiful features of life insurance is that it is adaptable. It can provide immediate protection and later evolve as needed. Choosing the right type of life insurance and selecting the correct policy for you and your goals is an important decision.

10 Annuity Secrets You Need To Know!

The origin of annuities can be traced to the founding of the United States of America. The first recorded use of annuities was by the Presbyterian Church who used annuity concepts to provide for widows and retired ministers. Benjamin Franklin used annuities to provide for funds over a long period of time for his wife and for the cities of Boston and Philadelphia. America probably owes much of its success to the far reaching use of long term savings provided by annuities.

Finding the Hidden Fees in Retirement Accounts

When reviewing specific retirement vehicles, review fund and account prospectus information and compare possible hidden fees as well as expense ratios and other fees disclosed in order to find a healthy retirement plan. Hidden fees can create a situation where accounts not only fail to yield growth, but may actually cost money in the long-term. Understanding what a prospectus is and how to use it is essential to better retirement decisions.

Additional Reading

Variable Annuities Secrets (Bill Broich,
Social Security Claiming Guide (Boston College)
Medicare and You (U.S. Government,

Life Insurance Guide

Learn more about the various life insurance options available to you that can help you achieve your goals.


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Michael Masor

535 E. Fernhurst Dr. Suite 348 Katy, TX 77450

(713) 348-9994

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Helping People Secure and Protect Their Retirement by Bringing the Best Products to Our Clients

Disclaimer: The information presented here is intended as information only and is not intended to represent tax, legal, or investment advice. Financial products can differ based on state of residence, age and product selected. Many financial products such as annuities may contain surrender charges and/or restrictions on access to your funds. Optional lifetime income benefit riders are used to calculate lifetime payments only and are not available for cash surrender or in a death denefit unless specified in the annuity contract. In some annuity products, fees can apply when using an income rider. Guarantees are based on the financial strength and claims paying ability of the insurance company. Read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on any program presented are subject to change without notice.