Safe Money

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="043aac00erkqpg.png"> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <B>(804) 744-8512</B></div> <bR> <bR> <bR> <div> <B> <img src="HTMLobj-391/aniGif.gif" alt="Safe money" border="0" align="bottom" width="135" height="78">  </B></div> <bR> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_solutions.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A></div> <bR> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><B>Free "safe money"</B></U></A></div> <div> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><B>Review</B></U></A></div> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000066" FACE="Arial" ><B>Long-term care funding solutions by Financial Strategies </B></FONT>     |   <FONT SIZE="3" COLOR="#000099" FACE="Arial" >  <A HREF="index.htm" TARGET="_top" TITLE="Longterm care funding solutions by Finan"><U>home</U></A></FONT></div> <div> <A HREF="long_term_care__long_term_care_insurance.htm" TARGET="_top" TITLE="Press Releases"><U><IMG SRC="04111110.png" border=0 width="17" height="17" ALT="prev" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A> <IMG BORDER="0" SRC="1x1.gif" HEIGHT="17" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="17">     <A HREF="index.htm" TARGET="_top" TITLE="Longterm care funding solutions by Finan"><U><IMG SRC="04011110.png" border=0 width="17" height="17" ALT="up" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><IMG SRC="04411110.png" border=0 width="17" height="17" ALT="down" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <I>Safe Money</I></div> <div> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><IMG SRC="17d475f0.jpg" border=0 width="327" height="95" ALT="Safe money solutions, via fixed and indexed annuities" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A> </div> <div> <B>Solutions for the "safe money" portion of your retirement portfolio</B></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> Many will tell you that CDs are a “safe bet”. </div> <div> But is CD money <I><B>really </B></I>safe?</div> <div> <IMG SRC="1905c5c0.jpg" border=0 width="92" height="92" ALIGN="BOTTOM" HSPACE="0" VSPACE="0">Most consumers love FDIC-insured CDs, largely because of their perceived safety. But is this "safe money" equally secure from the effects of inflation and taxation? </div> <div> You'll see that <B>CDs netted 1% or more "real" growth in only three of the past 10 years</B>. And just as often, <B>CDs lost money</B> after inflation and taxes! The numbers speak for themselves. </div> <DIV ALIGN="LEFT"></DIV> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="652" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER BGCOLOR=#000000 HEIGHT= 15 WIDTH="56"><div> <B>Year</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#000000 WIDTH="67"><div> <B>CD rate</B></div> </tD> <tD VALIGN=CENTER BGCOLOR=#000000><NOBR><div> <B>Less top federal tax rate</B></div> </NOBR></tD> <tD VALIGN=CENTER BGCOLOR=#000000><NOBR><div> <B>Less inflation</B></div> </NOBR></tD> <tD VALIGN=CENTER BGCOLOR=#000000><NOBR><div> <B>Real return after taxes and inflation</B></div> </NOBR></tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 1995</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 6.16%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 2.54%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>1.15%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 1996</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 5.61%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 3.32%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>0.07%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 1997</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 5.87%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 1.70%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>1.81%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 1998</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 5.58%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 1.61%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>1.73%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 1999</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 5.59%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 2.68%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>0.68%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 2000</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 6.79%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 3.39%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>0.69%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 2001</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 3.69%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 39.1%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 1.56%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>0.68%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 2002</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 1.81%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 38.6%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 2.38%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>-1.24%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 2003</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 1.25%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 35.0%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 1.80%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>-0.97%</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 20 WIDTH="56"><div> 2004</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="67"><div> 1.75%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="165"><div> 35.0%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="97"><div> 3.94%</div> </tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="237"><div> <B>-2.70%</B></div> </tD> </tR> </TABLE></div> <div> <B>How do bank CDs compare to certain annuities where your </B><I><B>principal is 100% guaranteed and your growth tax-deferred</B></I><B>?</B> </div> <div> To find out, <I><B>call G. Glenn Yeats</B></I>, Senior Vice President, direct @ <B><U>(804) 986-8854</U></B>; or e-mail him @ <FONT SIZE="3" COLOR="#0000FF" FACE="Arial" ><A HREF="mailto:ggy@fsi-ltc.com" TARGET="_top" TITLE="mailto:ggy@fsi-ltc.com"><U><U>ggy@fsi-ltc.com</U></U></A></FONT>. </div> <div> Request your <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U>free</U></A></FONT><A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U> review</U></A> today. We will provide you with a free comparison tailored to your situation so that you can make an informed decision. </div> <div> Sources: Lipper Inc., Internal Revenue Service. Inflation rates are based on the Consumer Price Index (CPI) a measure of change in consumer prices as determined by the U.S. Bureau of Labor Statistics. © Ibbotson Associates Inc. All rights reserved. Used with permission. Past performance is no guarantee of future results.</div> <div> CD rate used is six months. </div> <DIV ALIGN="LEFT"></DIV> <div> <IMG SRC="193734d0.jpg" border=0 width="115" height="77" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> <FONT SIZE="4" COLOR="#990000" FACE="Times New Roman" ><B>What Everyone Should Know About Recapturing Losses</B></FONT></div> <bR> <div> Did you know that if the value of your retirement assets dropped 20% to 40% during the last three years, it will <B>require gains of up to 67% over approximately the next 8 and 1/2 years</B>...<I><B>j</B></I><I><B>ust</B></I><B> to break even</B>...and not counting inflation?</div> <bR> <div> Had you employed the concept of <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U>"Net Fixed Indexing"</U></A> your retirement assets would have actually grown, even in a market as volatile as we have experienced over the past few years!</div> <bR> <div> Part of our "safe money" solutions include products that provide:</div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f000660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Safety of Principal</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > -- First and foremost guarantee you can never loose your principal amount</FONT></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f000660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Earn a minimum guaranteed interest-rate</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > -- You will earn a minimum, competitive, and guaranteed interest-rate</FONT></div> <div> <FONT SIZE="3" COLOR="#006600" FACE="Arial" ><B><IMG BORDER="0" SRC="Symb075c00b700f000660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Earn a greater indexed interest-rate</B></FONT> -- You can have the potential to earn a greater rate (upside)...and <I>without</I> risking any of your principal</div> <bR> <div> We specialize in "safe money" -- fixed and indexed annuities from only the top-quality insurance companies -- tailored to meet your needs, wants and demands. We only recommend solutions that provide you with "safety of principal". We feel strongly about our clients having a good portion of their money that they can always count on being there for them to meet their  of retirement dreams and lifestyle.</div> <bR> <div> Financial Strategies, Inc. is a 10-year old financial services firm based in Virginia. We will assist you in several ways: </div> <div> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><B><IMG BORDER="0" SRC="Symb075c00b700f000660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Review your current situation</B></U></A><FONT SIZE="3" COLOR="#000000" FACE="Arial" > -- to help you determine if what you own is meeting both your current and future goals</FONT></div> <div> <FONT SIZE="3" COLOR="#006600" FACE="Arial" ><A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><B><IMG BORDER="0" SRC="Symb075c00b700f000660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Provide you with alterative solutions</B></U></A></FONT> -- to help you make an informed decision that meets your needs, wants and demands </div> <div> <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U><B><IMG BORDER="0" SRC="Symb075c00b700f033660000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Work as your independent and objective "buying facilitator"</B></U></A><FONT SIZE="3" COLOR="#000000" FACE="Arial" > -- to provide you with the solution of your choice, including helping you in transferring any existing assets that you may want to go into your "safe money" solution. </FONT></div> <bR> <div> Request your <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U>free</U></A></FONT><A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U> review</U></A> today. There is no obligation. See what "safe money" solutions can do for you. We believe you will enjoy the experience of knowing what your options are and the alternatives available to protect your retirement assets and income. If you already own an annuity, we will provide you with our free proprietary <A HREF="fixed_and_indexed_annuities.htm" TARGET="_top" TITLE="Request free safe money review"><U>Annuity Review™</U></A> to make sure what you have is currently meeting your future plans, along with alternative solutions. </div> <bR> <bR> <bR> <bR> </td> </tr></table></body>