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Have you considered an annuity?

Maybe you should. Let’s find out if an annuity could be right for you.

YOU HAVE QUESTIONS. WE HAVE ADVICE.

Who wants to be 80 years old and out of money?

As you approach retirement, it’s common to be concerned with how your assets are invested. Are you concerned about…

  • Political uncertainty?
  • Running out of money?
  • Having enough money to retire?
  • The stock market’s return in the years ahead?
  • Other pitfalls to avoid?

If you have specific questions such as these or others, and if you’re wondering what to do, David C. Treece is a licensed financial advisor based in Spartanburg who provides clients throughout the Southeast with holistic financial planning as they prepare for and journey through retirement.

Request a Complimentary Call From David

We don’t have to watch the nightly news for long to find reasons to fret.


Have you checked the U.S. debt lately? At last check, it’s over $28 trillion and quickly growing.1 Many people are asking, “How will America’s debt impact my stock market investments?”


The truth is, market volatility will probably continue in America for the foreseeable future. In the book “The Power of Zero,” David Walker, the former comptroller general for the U.S. government in the Bill Clinton and George W. Bush administrations, is quoted as saying tax rates will need to drastically increase for America to remain solvent. The U.S. comptroller is basically the CPA for the federal government.


Tax questions to ponder include:

  • What will higher tax rates do to corporate America?
  • Will there be less economic expansion in the years to come?
  • Could the stock market enter a time of turmoil as a result?

Request a Complimentary Call from David

Could an annuity help protect you from turmoil?

When the stock market drops, it may take months or even years to break even again. A possible strategy to avoid market-related setbacks may be to use a fixed indexed annuity. With this type of annuity:

  • You cannot lose money due to market or index losses
  • When the stock market goes down, you don’t earn anything … but you also don’t lose anything
  • Your money is protected and may productively grow more than bank savings

When the market starts going back up, you may immediately begin earning interest. You don’t have to wait for your losses to come back. Remember, when you lose 50%, you have to earn 100% to be whole.

Request a Complimentary Call From David

How gains are protected through fixed annuities

Unlike investments in the stock market, with a fixed annuity:

  • Each year the fixed indexed annuity locks into any gains made
  • The principal investment plus any gains becomes its new floor
  • Your annuity’s value will never go below the floor

David C. Treece is a licensed financial advisor who has worked with annuities for 10 years. He’ll explain their ins and outs and answer your questions.

Annuities are not suited for everyone, and it’s important to thoroughly analyze if and which may be beneficial for your unique situation and goals. David will discuss annuities in more detail and help determine if an annuity is appropriate for you.

Request a Complimentary Call from David

1 US Debt Clock.org. 2021. https://www.usdebtclock.org/. Accessed April 5, 2021.

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