Services we offer

We are holistic in our planning. We utilize and optimize All Available Assets in our recommendations for a client. We do not follow the status quo. We do not follow outdated, outmoded, and obsolete conventional financial wisdom because it will lead to failure for most Americans which is evident by the retirement assets of the average American. We are not your average firm.

We do not charge a client any fees or commissions. We are paid by the financial service company.

Our strategies tend to be best for Baby Booming entrepreneurs, business owners, pre-retirees, and/or retirees typically aged 50 and up. Typically they are currently saving in excess of $10,000 a year, have $250,000 in liquid assets, and /or $500,000 in retirement assets. They have demonstrated the ability to save.

We have found our ideal client has several characteristics:

1. They believe their greater future will be best achieved by collaborating with a team of experts.
2. They are motivated to learn and change.
3. They are teachable, open-minded, and willing to be influenced for the better.
4. They are independent thinkers.
5. They think for themselves and don’t follow the crowd.
6. They tend to be decisive in nature and confident in the decisions they make.
7. They are responsible and accountable taking ownership for the decisions they make and actions they take.
8. They are financially disciplined.
9. They have a track record of saving and investing.
10. They want to continually optimize their assets and grow their wealth.

Lastly, and most importantly, they are courteous and respectful and express gratitude.

We do not charge any fees. No yearly management fees or consultation fees. We are paid by the financial services company should you implement our recommendations.

All of your consultations are free and without obligation

This is an interesting question. A fiduciary is a person who holds a legal or ethical relationship of trust with one or more other parties. We feel all advisors should act as fiduciaries or they will not be in business long. We conduct our business in the best interest of our customers.

Commissions are one-time, fees are ongoing year in and year out, win lose or draw for the customer. Often fees add up to many times more than a commission over a person’s life. Interestingly, depending on one’s fees charged, a retiree could very well pay his entire initial account value in fees over his retirement in fees to his advisor. That is a lot. Additionally, no fees or commissions are paid out of a client’s funds. We are paid directly by the financial services company you choose.

At ANNUVA Financial some of our products will have a guaranteed rate return but most will not offer this rate guarantee, but all of our strategies are guaranteed against market losses.