First in the Annuities ED Series

THE DEFINITION OF RISK — is the chance that an investment's actual return will be different than expected. Risk includes the possibility of losing some or all of the original investment. Different versions of risk are usually measured by calculating the standard deviation of the historical returns or average returns of a specific investment. A high standard deviation indicates a high degree of risk. – Investopedia.com

In this first installment of the Annuities ED series of the David Lukas Show, David and Tony Walker, his partner and mentor, talk about the two different camps (Wall Street and the insurance world) on the financial front and clarify how RISK is the main difference between investments and annuities.

Throughout the hour, Tony and David discuss how the guaranteed income of your granddad’s pension still lives through the security of annuities backed by insurance companies. They also explain how, with the right knowledge and facts, you too can secure guaranteed income for you and your family—for life!

If you’re a saver that’s uninterested in the uncertain volatility of the Stock Market then you’ll want to listen to the entire episode. Be sure to tune in each Saturday at 12:00pm for the next installment of the Annuities ED series. It’s definatly something you won’t want to miss.

The two types of annuities discussed during todays show are:

Fixed: Fixed annuities are invested primarily in high-grade corporate bonds and government securities and there are two types: the Guaranteed Return Annuities (GRA) is a fixed annuity that offers a fixed guaranteed interest rate.

Indexed: An Fixed-Indexed Annuity works like this: Fixed-Indexed Annuities give you the best of both worlds. The opportunity to share in a rising market. In addition, interest credited to the contract is locked in (usually annually) and cannon be lost. Fixed-indexed annuities provide the safety that you won’t loose a dollar when the market tanks. Income riders are very popular on these fixed index annuities. They provide guaranteed income for life that the contract holder can never outlive.

If you are a Saver, you can learn more about how Annuities can benefit you and your retirement portfolio, by calling David Lukas Financial at: (501) 218-8880 today!

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

When it comes to your retirement planning, are you a saver an investor or a speculator? Can you differentiate between the three? If you can, great! If you can’t, you’re not alone. Just as with shoes, retirement plans are not a one kind fits all situation. Different types of people are more, or less, comfortable with different types of retirement plans and it takes a certain kind of financial advisor to help his or her clients differentiate between the lot.

This week, on the David Lukas Show, David talks with his partner and mentor Tony Walker about how anyone can truly retire worry free. Walker, the master mind behind The WorryFree Retirement®, talks about how 9-11 and the devastating consequences of the stock market fall of 2008 were both major turning points in his career. Walker decided that he wanted to keep doing what he doing—but differently. He knew that there was one great way to safeguard his “saver” clients’ hard earned retirement funds. Annuities!

So, if you’re a saver nearing the second half of life, you too can retire worry free! Because the WorryFree Retirement® (WFR®) is specialized for savers, meeting with a David of David Lukas Financial is the first step to getting there. The WFR® process is easy and carries no obligation of cost to start.

To learn more about how Fixed and Index Annuities can benefit you and your retirement portfolio, call David Lukas, (501) 218-8880, at David Lukas Financial. David has partnered with Tony and his WorryFree Retirement® network to help his clients implement the WorryFree Retirement® process. It’s unlike anything else in the industry.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com

On this week’s all new installment of the David Lukas Show, David and Zack talk about how, with careful planning, you can reap the benefits of guaranteed income for life. And because David Lukas Financial is dedicated to helping savers worry less about money^®, David and Zach also, throughout the hour, chat about how different peoples’ personalities determine how they both deal with and feel about money.

According to David, and other reputable financial authorities, market volatility seems to run in seven-year cycles. The disaster that the sub-prime mortgage credit bubble burst of 2007-2008 left in its wake still has some investors desperately trying to pick up the pieces of their ruined retirement, because savers, investors, and speculators alike lost so many precious retirement funds that will never return. The banks to blame were indeed To Big To Fail, because the government did in fact bail them out with taxpayer money!!

The pain of so much capitol lost has now led many an investor to change their status from speculator to saver.

Many now realize that it is their job to check and confirm that the financial products and strategies they’ve chosen are in line with who they are and what best suits their financial personality.

You can avoid the trappings of the one size-fits-all mentality that Wall Street sells. Because neither Wall Street nor the government has any intentions of safeguarding your hard earned retirement funds—it’s up to you! So if you’re more concerned with protecting the return of your money than seeking higher rates of return on your investments the time to act is now.

To learn more about how David Lukas Financial can benefit you and your retirement portfolio, call (501) 218-8880 today. David has partnered with Tony and his WorryFree Retirement^® network to help his clients implement the WorryFree Retirement^® process. It’s unlike anything else in the industry.

Do you know your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com