Fixed Income Management

Outliving retirement savings is a common concern lots of people have today. Also, individuals nearing retirement may become reluctant to risks associated with the stock market. We understand how you feel and we can help with a fixed retirement income plan. A Titan Financial Advisor can structure a fixed income plan customized to fit your needs and your risk threshold.

Fixed Index Annuities 
This is a contract between you and an insurance company in which you make either a lump-sum payment or a series of payments. In return, you receive the opportunity for growth and the ability to create an income stream in the form of periodic payments. Fixed index annuities earn interest based on changes in a market index, such as the S&P 500.

CDs 
Certificates of Deposit (CDs) are a deposit product issued by a bank that’s both fixed in term and rate. Since these are not as flexible as, say a regular savings account, interest rates do tend to be higher. To help protect against risk, CDs are federally insured by the FDIC.

Bonds 
These are loans to corporations, governments or municipalities that are used as investment vehicles. They generally pay a fixed interest rate and return the principal at maturity.