{"id":1329,"date":"2019-07-11T17:36:04","date_gmt":"2019-07-12T00:36:04","guid":{"rendered":"https:\/\/robertlotter.com\/fhri\/?page_id=1329"},"modified":"2022-01-07T14:09:22","modified_gmt":"2022-01-07T22:09:22","slug":"the-magic-of-safe-investing","status":"publish","type":"page","link":"https:\/\/robertlotter.com\/fhri\/the-magic-of-safe-investing\/","title":{"rendered":"The Magic of Safe Investing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1329\" class=\"elementor elementor-1329\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-541899d elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"541899d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-451e7e5\" data-id=\"451e7e5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d97a4a elementor-widget elementor-widget-image\" data-id=\"6d97a4a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1460\" height=\"89\" src=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2020\/07\/logo-strip-1.png\" class=\"attachment-full size-full wp-image-2092\" alt=\"\" srcset=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2020\/07\/logo-strip-1.png 1460w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2020\/07\/logo-strip-1-300x18.png 300w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2020\/07\/logo-strip-1-1024x62.png 1024w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2020\/07\/logo-strip-1-768x47.png 768w\" sizes=\"(max-width: 1460px) 100vw, 1460px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bcd24f elementor-section-stretched elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bcd24f\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a036d12\" data-id=\"a036d12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f4636fd elementor-widget elementor-widget-heading\" data-id=\"f4636fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-xxl\">The Magic of Safe Investing<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91f15c9 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-text-editor\" data-id=\"91f15c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a style=\"text-align: center;\" href=\"https:\/\/fhri.org\/the-magic-annuity\/\"><img decoding=\"async\" class=\"aligncenter\" style=\"text-align: center;\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/08\/read_watch_listen.jpg\" \/><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa4da76 elementor-mobile-align-center elementor-align-center drift_popup_home_test home-cta elementor-widget elementor-widget-button\" data-id=\"aa4da76\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn About Risk-Free Investing<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ebab390 elementor-section-stretched elementor-section-full_width fetch-section-for-desktop elementor-hidden-tablet elementor-hidden-phone elementor-section-height-default elementor-section-height-default\" data-id=\"ebab390\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6cb1f8b\" data-id=\"6cb1f8b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ea87b1 desk-popup elementor-widget elementor-widget-html\" data-id=\"3ea87b1\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <style>\r\n        .inner-content-accordation {\r\n            overflow: hidden;\r\n            display: none;\r\n            padding: 30px;\r\n            background: #f2f2f1;\r\n        }\r\n        .fhri-home-features [class*='htb-col-md']{\r\n            min-height: 0;\r\n        }\r\n\r\n        .inner-content-accordation.show {\r\n            background: #f2f2f1;\r\n            min-height: 65px;\r\n            border-left: 1px solid #ccc;\r\n            border-right: 1px solid #ccc;\r\n        }\r\n\r\n        .inner-content-accordation p {\r\n            color: #444444;            \r\n            margin-bottom: 15px;\r\n        }\r\n\r\n        .inner-content-accordation .img-res {\r\n            max-width: 100%;\r\n        }\r\n\r\n        .inner-content-accordation .inner-container {\r\n            max-width: 767px;\r\n            margin: 0 auto;            \r\n            font-size: 15px;\r\n        }\r\n\r\n        .inner-content-accordation.item8 .inner-container {\r\n            max-width: 1200px;\r\n            margin: 0 auto;            \r\n            font-size: 15px;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo {\r\n            padding: 0;\r\n            margin: 0 -15px;\r\n            list-style: none;\r\n            display: flex;\r\n            display: -webkit-flex;\r\n            justify-content: space-between;\r\n            -webkit-justify-content: space-between;\r\n            flex-wrap: wrap;\r\n            -webkit-flex-wrap: wrap;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo li {\r\n            width: 15%;\r\n            text-align: center;\r\n            padding: 15px;\r\n            margin: 0;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo li p {\r\n            margin: 0;\r\n            line-height: 1.2;\r\n            font-weight: 500;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo .img-round {\r\n            border-radius: 50%;\r\n        }\r\n\r\n        .htd-text-center {\r\n            text-align: center;\r\n            min-height: 0;\r\n        }\r\n\r\n        .fhri-home-features-single {\r\n            border: 1px solid #ccc;\r\n\r\n        }\r\n\r\n        .toggle-link-desktop {\r\n            display: block;\r\n            padding: 25px;\r\n            text-align: center;\r\n        }\r\n\r\n        .fhri-home-features-single.active-feat {\r\n            border-bottom: 0;\r\n            background: #f2f2f1;\r\n        }\r\n\r\n        .fhri-home-features-single h4 {\r\n            color: #0586d9;\r\n            font-family: \"Gotham-light\", Sans-serif;\r\n            font-size: 20px;\r\n            font-weight: bold;\r\n            text-transform: uppercase;\r\n            letter-spacing: 4px;\r\n            margin: 0;\r\n        }\r\n\r\n        .fhri-home-features-single.active-feat h4 {\r\n            color: rgb(250, 112, 113);\r\n        }\r\n\r\n        .p-0 {\r\n            padding: 0 !important;\r\n        }\r\n\r\n        .visible-mobile {\r\n            display: none;\r\n        }\r\n\r\n        .btn-red,.btn-red:hover,.btn-red:focus {\r\n            font-family: \"Gotham-light\", Sans-serif;\r\n            font-size: 16px;\r\n            font-weight: bold;\r\n            letter-spacing: 3px;\r\n            background-color: #fa7071;\r\n            border-radius: 0px 0px 0px 0px;\r\n            padding: 12px 30px;\r\n            color: #fff;\r\n            display: inline-block; \r\n            margin-top: 20px;\r\n        }\r\n        .link-red {\r\n            color: #fa7071;\r\n        }\r\n\r\n        @media(max-width:767px) {\r\n            .toggle-link-desktop {\r\n                padding: 15px 5px 15px 45px;\r\n                text-align: left;\r\n                position: relative;\r\n            }\r\n\r\n            .toggle-link-desktop img {\r\n                position: absolute;\r\n                left: 0;\r\n                top: 50%;\r\n                height: 40px;\r\n                object-fit: contain;\r\n                object-position: left center;\r\n                max-width: 40px;\r\n                margin-top: -20px;\r\n            }\r\n\r\n            .fhri-home-features-single h4 {\r\n                font-size: 14px;\r\n                letter-spacing: 1px;\r\n            }\r\n\r\n            .visible-mobile {\r\n                display: block !important\r\n            }\r\n\r\n            .hidden-mobile {\r\n                display: none;\r\n            }\r\n\r\n            .inner-content-accordation.show {\r\n                border-width: 0;\r\n                font-size: 13px;\r\n            }\r\n            .inner-content-accordation .inner-container {\r\n                font-size: 14px;\r\n            }\r\n            .btn-red, .btn-red:hover {\r\n                font-size: 14px;\r\n                padding: 10px 20px;\r\n                margin-top: 0;\r\n            }\r\n            .inner-content-accordation {\r\n                padding: 15px 5px;\r\n            }\r\n            .inner-content-accordation .inner-content-accordation-logo li {\r\n                width: 33.33%;\r\n            }\r\n        }\r\n    <\/style>\r\n <div class=\"fhri-home-features\">\r\n        <div class=\"htb-container-fluid\">\r\n            <div class=\"htb-row\">\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item1\" href=\"javascript:void(0);\">\r\n                        <img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-1.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>Compare Returns<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item1\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>Compare Returns<\/h4>\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" data-lightbox=\"mobile2\">\r\n                                    <img src=https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <p>It might help to define the MAGIC ANNUITY further. It\u2019s called a Fixed Indexed\r\n                                    Annuity\r\n                                    (FIA) otherwise less known as an Equity Indexed Annuity (EIA).<\/p>\r\n                                <p>So, what kind of returns can we expect in an FIA? Before we look at the chart above,\r\n                                    realize that these investment vehicles are just as varied as Mutual Funds and have\r\n                                    many\r\n                                    options, CAPS, and bonus structures to consider. Focus on the average returns as\r\n                                    well as\r\n                                    the highest returns, and notice some FIAs are out-performing others, but on the\r\n                                    whole,\r\n                                    they match or better the Mutual Fund returns without the risk.<\/p>\r\n                                <p>It is important to note that the S&P had positive returns some years and negative\r\n                                    returns\r\n                                    in other years. While the FIA ALWAYS MADE POSITIVE RETURNS. The accumulation of only\r\n                                    positive returns, no matter how small, has an overall cumulative effect on the\r\n                                    portfolio.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single \">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item2\" href=\"javascript:void(0);\">\r\n                        <img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-2.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>NEVER LOSE PRINCIPAL<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item2\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>NEVER LOSE PRINCIPAL<\/h4>\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" data-lightbox=\"mobile3\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <p>According to a new study by DALBAR, one of the financial community\u2019s leading independent experts for unbiased rating and performance evaluations, the typical investor in equity mutual funds has received only a 3.55% annual return\u2026over the last 20 years.<\/p>\r\n                            <p>An equity fund is a mutual fund that invests principally in stocks. It can be actively or passively (index fund) managed. Equity funds are also known as stock funds. Stock mutual funds are principally categorized according to company size, the investment style of the holdings in the portfolio and geography.<\/p>\r\n                            <p>To make matters worse, when taking the 20-year average 2.17% inflation rate (a very low estimate) into consideration, the real new average annual return (increase in buying power) fo the last 20 years is only 1.71%.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item3\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-3.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>PAY NO FEES\u200b<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item3\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>PAY NO FEES\u200b<\/h4>\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" data-lightbox=\"mobile4\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <p>The Magic Annuity has no Fees. Conversely, the Variable Annuity, which I call the Voodoo annuity, and its Uncle, Mutual Funds do. Here's an example of a 5% Bonus MAGIC ANNUITY with a 10% Commission, compared to an example of a 1% Assets Under Management FEE. Compare 15% in accumulated FEES to ZERO FEES and ZERO surrender penalties after 10 years with the MAGIC Annuity.<\/p>\r\n    \r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item4\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-4.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>5% TO 10% UPFRONT BONUS<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item4\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>5% TO 10% UPFRONT BONUS<\/h4>\r\n                                <p>The Magic Annuity often offers BONUSES when you make your initial deposit. Yep,\r\n                                    sometimes\r\n                                    as high as 10% (if you\u2019re 52 or younger, or 5 to 7% if older)! Imagine, you invest\r\n                                    $100,000 in the Magic Annuity, and your first statement shows an accumulation value\r\n                                    of\r\n                                    $110,000!!! Wow you just made 10% return and all you did was make the initial\r\n                                    investment! Now it\u2019s not always 10% maybe its 5%, but that isn\u2019t a kick in the head\r\n                                    either!<\/p>\r\n                                <p>So, let\u2019s say the Advisor in this case made a 7% commission on your $100,000\r\n                                    investment.\r\n                                    The next day your account is credited with an opening balance of $110,000. Hmmmmmm.\r\n                                    Would you consider staying with this investment for 5 to 10 years, after which all\r\n                                    or\r\n                                    most of your penalties disappear? Remember, you have penalty free access, if you\r\n                                    need\r\n                                    it.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item5\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-5.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>PENALTY FREE ACCESS<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item5\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>PENALTY FREE ACCESS<\/h4>\r\n                                <p>The Insurance Company, just like the Mutual Fund Provider or Bank, shares with you in\r\n                                    the\r\n                                    upside of the market returns. The difference with the MAGIC ANNUITY is that the\r\n                                    Insurance\r\n                                    Company GUARANTEES your principal investment, pays the up-front commission out of\r\n                                    their own\r\n                                    pocket, and must wait, often up to 7 years or longer, to get any return on their\r\n                                    investment\r\n                                    (ROI). In exchange, they require you to stay in the contract long enough for them to\r\n                                    recoup\r\n                                    their costs and be able to make some return on their investment. During the entire\r\n                                    time\r\n                                    you\u2019re in the contract they never extract a dime out of your account and continue to\r\n                                    credit\r\n                                    all returns based on 100% (sometimes more) of your principal. Even if you did need\r\n                                    some of\r\n                                    your money early, you have so many options like:<\/p>\r\n                                <ul>\r\n                                    <li>10% (sometimes more) Penalty Free Withdrawals<\/li>\r\n                                    <li>Borrow money out (must qualify)<\/li>\r\n                                    <li>Annuitize (select one of usually a dozen options to start receiving pension\r\n                                        payments,\r\n                                        like guaranteed income for life option or many others)<\/li>\r\n                                    <li>Hardships requests<\/li>\r\n                                <\/ul>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item6\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-7.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>TAX FAVORED<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item6\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>TAX FAVORED<\/h4>\r\n                                <p>The Magic Annuity isTAX-FAVORED, meaning it gives you tax advantages and lets you\r\n                                    manage\r\n                                    how and when you pay taxes; and For over 20 years, the typical Magic Annuity has\r\n                                    outperformed the typical Mutual Funds investor (and thus Variable Annuities) in\r\n                                    average\r\n                                    returns.<\/p>\r\n                                <p>Inside most Mutual Funds and Variable Annuities Tax Benefits don\u2019t always outweigh\r\n                                    the\r\n                                    FEES such as the infamous 12b1 expenses which can be as high as 1.5%. Additionally,\r\n                                    if\r\n                                    these investments were made inside a tax-deferred account like a 401(k), 403(b), 457\r\n                                    (b)\r\n                                    or IRA, about 25%-33% on average in income taxes will have to be paid, according to\r\n                                    the\r\n                                    Center for Retirement Research at Boston College.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item7\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-7.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>CUSTOM DESIGN\r\n                        <\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item7\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>CUSTOM DESIGN<\/h4>\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" data-lightbox=\"mobile1\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <p>The MAGIC ANNUITY, aka Fixed Index Annuity, is a viable safe alternative to Mutual\r\n                                    Fund\r\n                                    and Variable Annuity investing! There simply is no reason to RISK your principal for\r\n                                    so\r\n                                    little upside. Alternatively, if you are investing with RISK you should be receiving\r\n                                    a\r\n                                    much higher rate of return.<\/p>\r\n                                <p>Here you can see the S&P 500 (2007 \u2013 2018) compared against an FIA that only\r\n                                    participates\r\n                                    in 50% of market gains, BUT None of the losses. Notice the 50% participation FIA\r\n                                    pretty\r\n                                    much matches the S&P over time.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item8\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-8.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>HUNDREDS OF PRODUCTS<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item8\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>HUNDREDS OF PRODUCTS<\/h4>\r\n                                <ul class=\"inner-content-accordation-logo\">\r\n                                    <li>\r\n                                        <p>AIG<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>AIG Retirement Services<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>American Century Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>American Fidelity Assurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>American Funds Distributors, Inc. (AFD)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>American United Life (AUL), a OneAmerica Financial Partner<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Americo Financial Life and Annuity Insurance Company\/Great Southern Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Ameriprise Financial Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Athene Annuity and Life Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>AXA Distributors, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>AXA Equitable Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Brighthouse Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>CalSTRS Pension2<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>CTA Voluntary Retirement Plans for Educators, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Empower Retirement<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Fidelity<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Fidelity Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>First Investors Funds distributed by Foresters Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Franklin Templeton Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>FTJ FundChoice, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Global Atlantic Financial Group<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>GLP Investment Services, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Great American Insurance Group (Annuity Investors Life Insurance Company)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>GWN Securities, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Horace Mann Investors, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Horace Mann Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>ICMA-RC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Industrial-Alliance Pacific Life Ins Co, US Branch<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Invesco (formerly OppenheimerFunds)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Jackson National Life Ins. Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Lincoln Investment, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Lincoln Nat'l Life Ins Co (Lincoln Financial Group), The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>MassMutual, through its subsidiary, C.M. Life Insurance Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Metlife<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Metropolitan Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Midland National<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Modern Woodmen of America<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>National Life Group through member company Life Insurance Company of the Southwest<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Nationwide Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>New York Life Ins. & Annuity Corp.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>North American Company for Life and Health<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Pacific Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>PFS Investments Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>PlanMember Services Corp<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Putnam Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>RBB Funds Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Security Benefit<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Thrivent Financial AKA Thrivent Financial for Lutherans, Thrivent Mutual Funds<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>TIAA<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Transamerica<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Transamerica Fund Services, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Transamerica Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>USAA Investment Management Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>USAA Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Vanguard<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Vanguard Group, The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Voya - ReliaStar Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Voya Retirement Insurance and Annuity Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Waddell & Reed, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        <p>Western National Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                <\/ul>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link-desktop\" data-item=\"item9\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-9.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>WHO ARE WE?<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item9\">\r\n                            <div class=\"inner-container\">\r\n                                <h4>WHO ARE WE?<\/h4>\r\n                                <p>My name is Robert Lotter. I am the founder of the Financial and Health Research\r\n                                    Institute. In my 40 years of being in the financial services business, my firms have\r\n                                    served over 1,000,000 public and private employees. <br><br>Our specialty has always been\r\n                                    retirement savings benefits, specifically 403b, 457b, 401k and IRAs. One of my firms\r\n                                    is\r\n                                    the oldest and largest Third Party Administrator for retirement benefits in the\r\n                                    state of\r\n                                    California. Because of this, we have service agreements with about 50 or so large\r\n                                    financial institutions from Allianz Insurance Company to Vanguard Mutual Funds. We\r\n                                    literally handle the remittance of funds from the employer on behalf of thousands of\r\n                                    their employees, directly into these retirement savings program. Few people in this\r\n                                    country have this kind of access and awareness about the myriad of financial choices\r\n                                    available today. These include everything from Exchange Trade Funds, Mutual Funds,\r\n                                    Managed Accounts, Variable Annuities and Fixed Annuities. While it is important to\r\n                                    have\r\n                                    a financial advisor, few are experts on as many product offerings. I encourage you\r\n                                    to\r\n                                    sign up for a free, no obligation, risk analysis of your retirement investment\r\n                                    portfolio. Ask one of our advisors for an official illustration of a MAGIC Annuity,\r\n                                    which will project not only your return on investment possibilities, but also a\r\n                                    myriad\r\n                                    of other benefits. I promise you it wont be a waste of time and everything can be\r\n                                    done\r\n                                    over the phone and internet! Wishing you the peace of mind that ONLY a guaranteed\r\n                                    investment can provide!<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    <script>\r\n        jQuery(document).ready(function () {\r\n            jQuery('.toggle-link-desktop').click(function (e) {\r\n                e.preventDefault();\r\n                var el = jQuery(this);\r\n                var $this = jQuery(this).attr(\"data-item\");\r\n                jQuery(\"#popmake-1453 .pum-content.popmake-content\").empty();\r\n                var html = el.parent().find(\".\" + $this).find('.inner-container').clone().appendTo(\"#popmake-1453 .pum-content.popmake-content\");\r\n            });\r\n        });\r\n    <\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5deed7 elementor-section-stretched elementor-section-full_width fetch-section elementor-hidden-desktop elementor-section-height-default elementor-section-height-default\" data-id=\"e5deed7\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0dcfde5\" data-id=\"0dcfde5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba4412a elementor-widget elementor-widget-html\" data-id=\"ba4412a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <style>\r\n        .inner-content-accordation {\r\n            overflow: hidden;\r\n            display: none;\r\n            padding: 30px;\r\n            background: #f2f2f1;\r\n        }\r\n        .fhri-home-features [class*='htb-col-md']{\r\n            min-height: 0;\r\n        }\r\n\r\n        .inner-content-accordation.show {\r\n            background: #f2f2f1;\r\n            min-height: 65px;\r\n            border-left: 1px solid #ccc;\r\n            border-right: 1px solid #ccc;\r\n        }\r\n\r\n        .inner-content-accordation p {\r\n            color: #444444;            \r\n            margin-bottom: 15px;\r\n        }\r\n\r\n        .inner-content-accordation .img-res {\r\n            max-width: 100%;\r\n        }\r\n\r\n        .inner-content-accordation .inner-container {\r\n            max-width: 767px;\r\n            margin: 0 auto;            \r\n            font-size: 15px;\r\n        }\r\n\r\n        .inner-content-accordation.item8 .inner-container {\r\n            max-width: 1200px;\r\n            margin: 0 auto;            \r\n            font-size: 15px;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo {\r\n            padding: 0;\r\n            margin: 0 -15px;\r\n            list-style: none;\r\n            display: flex;\r\n            display: -webkit-flex;\r\n            justify-content: space-between;\r\n            -webkit-justify-content: space-between;\r\n            flex-wrap: wrap;\r\n            -webkit-flex-wrap: wrap;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo li {\r\n            width: 15%;\r\n            text-align: center;\r\n            padding: 15px;\r\n            margin: 0;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo li p {\r\n            margin: 0;\r\n            line-height: 1.2;\r\n            font-weight: 500;\r\n        }\r\n\r\n        .inner-content-accordation .inner-content-accordation-logo .img-round {\r\n            border-radius: 50%;\r\n        }\r\n\r\n        .htd-text-center {\r\n            text-align: center;\r\n            min-height: 0;\r\n        }\r\n\r\n        .fhri-home-features-single {\r\n            border: 1px solid #ccc;\r\n\r\n        }\r\n\r\n        .toggle-link {\r\n            display: block;\r\n            padding: 25px;\r\n            text-align: center;\r\n        }\r\n\r\n        .fhri-home-features-single.active-feat {\r\n            border-bottom: 0;\r\n            background: #f2f2f1;\r\n        }\r\n\r\n        .fhri-home-features-single h4 {\r\n            color: #0586d9;\r\n            font-family: \"Gotham-light\", Sans-serif;\r\n            font-size: 20px;\r\n            font-weight: bold;\r\n            text-transform: uppercase;\r\n            letter-spacing: 4px;\r\n            margin: 0;\r\n        }\r\n\r\n        .fhri-home-features-single.active-feat h4 {\r\n            color: rgb(250, 112, 113);\r\n        }\r\n\r\n        .p-0 {\r\n            padding: 0 !important;\r\n        }\r\n\r\n        .visible-mobile {\r\n            display: none;\r\n        }\r\n\r\n        .btn-red,.btn-red:hover {\r\n            font-family: \"Gotham-light\", Sans-serif;\r\n            font-size: 16px;\r\n            font-weight: bold;\r\n            letter-spacing: 3px;\r\n            background-color: #fa7071;\r\n            border-radius: 0px 0px 0px 0px;\r\n            padding: 12px 30px;\r\n            color: #fff;\r\n            display: inline-block; \r\n            margin-top: 20px;\r\n        }\r\n        .link-red {\r\n            color: #fa7071;\r\n        }\r\n\r\n        @media(max-width:767px) {\r\n            .toggle-link {\r\n                padding: 15px 5px 15px 45px;\r\n                text-align: left;\r\n                position: relative;\r\n            }\r\n\r\n            .toggle-link img {\r\n                position: absolute;\r\n                left: 0;\r\n                top: 50%;\r\n                height: 40px;\r\n                object-fit: contain;\r\n                object-position: left center;\r\n                max-width: 40px;\r\n                margin-top: -20px;\r\n            }\r\n\r\n            .fhri-home-features-single h4 {\r\n                font-size: 14px;\r\n                letter-spacing: 1px;\r\n            }\r\n\r\n            .visible-mobile {\r\n                display: block !important\r\n            }\r\n\r\n            .hidden-mobile {\r\n                display: none;\r\n            }\r\n\r\n            .inner-content-accordation.show {\r\n                border-width: 0;\r\n                font-size: 13px;\r\n            }\r\n            .inner-content-accordation .inner-container {\r\n                font-size: 14px;\r\n            }\r\n            .btn-red, .btn-red:hover {\r\n                font-size: 14px;\r\n                padding: 10px 20px;\r\n                margin-top: 0;\r\n            }\r\n            .inner-content-accordation {\r\n                padding: 15px 5px;\r\n            }\r\n            .inner-content-accordation .inner-content-accordation-logo li {\r\n                width: 33.33%;\r\n            }\r\n        }\r\n    <\/style>\r\n <div class=\"fhri-home-features\">\r\n        <div class=\"htb-container-fluid\">\r\n            <div class=\"htb-row\">\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item1\" href=\"javascript:void(0);\">\r\n                        <img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-1.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>Outperform Mutual Funds<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item1\">\r\n                            <div class=\"inner-container\">\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" data-lightbox=\"mobile2\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <br\/>\r\n                                <p>It might help to define the MAGIC ANNUITY further. It\u2019s called a Fixed Indexed\r\n                                    Annuity\r\n                                    (FIA) otherwise less known as an Equity Indexed Annuity (EIA).<\/p>\r\n                                <p>So, what kind of returns can we expect in an FIA? Before we look at the chart above,\r\n                                    realize that these investment vehicles are just as varied as Mutual Funds and have\r\n                                    many\r\n                                    options, CAPS, and bonus structures to consider. Focus on the average returns as\r\n                                    well as\r\n                                    the highest returns, and notice some FIAs are out-performing others, but on the\r\n                                    whole,\r\n                                    they match or better the Mutual Fund returns without the risk.<\/p>\r\n                                <p>It is important to note that the S&P had positive returns some years and negative\r\n                                    returns\r\n                                    in other years. While the FIA ALWAYS MADE POSITIVE RETURNS. The accumulation of only\r\n                                    positive returns, no matter how small, has an overall cumulative effect on the\r\n                                    portfolio.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single \">\r\n                    <a class=\"toggle-link\" data-item=\"item2\" href=\"javascript:void(0);\">\r\n                        <img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-2.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>NEVER LOSE PRINCIPAL<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item2\">\r\n                            <div class=\"inner-container\">\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" data-lightbox=\"mobile3\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <br\/>\r\n                                <p>According to a new study by DALBAR, one of the financial community\u2019s leading independent experts for unbiased rating and performance evaluations, the typical investor in equity mutual funds has received only a 3.55% annual return\u2026over the last 20 years.<\/p>\r\n                            <p>An equity fund is a mutual fund that invests principally in stocks. It can be actively or passively (index fund) managed. Equity funds are also known as stock funds. Stock mutual funds are principally categorized according to company size, the investment style of the holdings in the portfolio and geography.<\/p>\r\n                            <p>To make matters worse, when taking the 20-year average 2.17% inflation rate (a very low estimate) into consideration, the real new average annual return (increase in buying power) fo the last 20 years is only 1.71%.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item3\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-3.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>PAY NO FEES\u200b<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item3\">\r\n                            <div class=\"inner-container\">\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" data-lightbox=\"mobile4\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <br\/>\r\n                                <p>The Magic Annuity has no Fees. Conversely, the Variable Annuity, which I call the Voodoo annuity, and its Uncle, Mutual Funds do. Here's an example of a 5% Bonus MAGIC ANNUITY with a 10% Commission, compared to an example of a 1% Assets Under Management FEE. Compare 15% in accumulated FEES to ZERO FEES and ZERO surrender penalties after 10 years with the MAGIC Annuity.<\/p>\r\n                \r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-12 p-0 hidden-mobile\">\r\n                    <div class=\"inner-content-accordation item1\">\r\n                        <div class=\"inner-container\">\r\n                            <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" data-lightbox=\"desktop1\">\r\n                                <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/fixed-vs-sp.png\" class=\"img-res\" \/>\r\n                            <\/a>\r\n                            <p>It might help to define the MAGIC ANNUITY further. It\u2019s called a Fixed Indexed Annuity\r\n                                (FIA)\r\n                                otherwise less known as an Equity Indexed Annuity (EIA).<\/p>\r\n                            <p>So, what kind of returns can we expect in an FIA? Before we look at the chart below,\r\n                                realize\r\n                                that these investment vehicles are just as varied as Mutual Funds and have many options,\r\n                                CAPS, and bonus structures to consider. Focus on the average returns as well as the\r\n                                highest\r\n                                returns, and notice some FIAs are out-performing others, but on the whole, they match or\r\n                                better the Mutual Fund returns without the risk.<\/p>\r\n                            <p>It is important to note that the S&P had positive returns some years and negative returns\r\n                                in\r\n                                other years. While the FIA ALWAYS MADE POSITIVE RETURNS. The accumulation of only\r\n                                positive\r\n                                returns, no matter how small, has an overall cumulative effect on the portfolio.<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item2\">\r\n                        <div class=\"inner-container\">\r\n                           <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" data-lightbox=\"desktop2\">\r\n                                <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/20-year.png\" class=\"img-res\" \/>\r\n                            <\/a>\r\n                            <p>According to a new study by DALBAR, one of the financial community\u2019s leading independent experts for unbiased rating and performance evaluations, the typical investor in equity mutual funds has received only a 3.55% annual return\u2026over the last 20 years.<\/p>\r\n                            <p>An equity fund is a mutual fund that invests principally in stocks. It can be actively or passively (index fund) managed. Equity funds are also known as stock funds. Stock mutual funds are principally categorized according to company size, the investment style of the holdings in the portfolio and geography.<\/p>\r\n                            <p>To make matters worse, when taking the 20-year average 2.17% inflation rate (a very low estimate) into consideration, the real new average annual return (increase in buying power) fo the last 20 years is only 1.71%.<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item3\">\r\n                        <div class=\"inner-container\">\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" data-lightbox=\"mobile4\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/commissions-vs-fees.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <p>The Magic Annuity has no Fees. Conversely, the Variable Annuity, which I call the\r\n                                    Voodoo\r\n                                    annuity, and its Uncle, Mutual Funds have:<\/p>\r\n                                <ol>\r\n                                    <li><strong>12b1 Fees<\/strong> \u2013 Funds charge these to pay for their marketing\r\n                                        expenses\r\n                                        and they can be as high as 1.5% of Assets.<\/li>\r\n                                    <li><strong>Assets Under Management Fees (AUM)<\/strong> \u2013 Fees charged by your\r\n                                        Investment Advisor which can be as high as 2% of your account balance.<\/li>\r\n                                    <li><strong>Money Management Fees<\/strong> \u2013 those fees passed onto you by your\r\n                                        Advisor\r\n                                        who is using an outside service to \u201cmanage\u201d the portfolio, usually around .25 to\r\n                                        .50%.<\/li>\r\n                                    <li><strong>Taxes<\/strong> \u2013 if your investment in a Mutual Fund is not in a\r\n                                        qualified\r\n                                        retirement plan (403b,401K,457b,IRA) you could be getting taxed annually on any\r\n                                        and\r\n                                        all trades within the fund in which you made a profit (25 to 35% of gains).<\/li>\r\n                                <\/ol>\r\n                                <p>Here's an example of a 5% Bonus MAGIC ANNUITY with a super long\r\n                                    Surrender Penalty Period (10 years) and a 10% Commission, compared to an example of\r\n                                    a 1%\r\n                                    Assets Under Management FEE structure in a Mutual Fund or Voodoo Annuity. Over 15\r\n                                    years\r\n                                    one would accumulate 15% in FEES compared to ZERO FEES and ZERO surrender penalties\r\n                                    after 10 years in the MAGIC Annuity.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red\" href=\"https:\/\/fhri.org\/drift\/\" target=\"_blank\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item4\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-4.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>5% TO 10% UPFRONT BONUS<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item4\">\r\n                            <div class=\"inner-container\">\r\n                                <p>The Magic Annuity often offers BONUSES when you make your initial deposit. Yep,\r\n                                    sometimes\r\n                                    as high as 10% (if you\u2019re 52 or younger, or 5 to 7% if older)! Imagine, you invest\r\n                                    $100,000 in the Magic Annuity, and your first statement shows an accumulation value\r\n                                    of\r\n                                    $110,000!!! Wow you just made 10% return and all you did was make the initial\r\n                                    investment! Now it\u2019s not always 10% maybe its 5%, but that isn\u2019t a kick in the head\r\n                                    either!<\/p>\r\n                                <p>So, let\u2019s say the Advisor in this case made a 7% commission on your $100,000\r\n                                    investment.\r\n                                    The next day your account is credited with an opening balance of $110,000. Hmmmmmm.\r\n                                    Would you consider staying with this investment for 5 to 10 years, after which all\r\n                                    or\r\n                                    most of your penalties disappear? Remember, you have penalty free access, if you\r\n                                    need\r\n                                    it.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item5\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-5.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>PENALTY FREE ACCESS<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item5\">\r\n                            <div class=\"inner-container\">\r\n                                <p>The Insurance Company, just like the Mutual Fund Provider or Bank, shares with you in\r\n                                    the\r\n                                    upside of the market returns. The difference with the MAGIC ANNUITY is that the\r\n                                    Insurance\r\n                                    Company GUARANTEES your principal investment, pays the up-front commission out of\r\n                                    their own\r\n                                    pocket, and must wait, often up to 7 years or longer, to get any return on their\r\n                                    investment\r\n                                    (ROI). In exchange, they require you to stay in the contract long enough for them to\r\n                                    recoup\r\n                                    their costs and be able to make some return on their investment. During the entire\r\n                                    time\r\n                                    you\u2019re in the contract they never extract a dime out of your account and continue to\r\n                                    credit\r\n                                    all returns based on 100% (sometimes more) of your principal. Even if you did need\r\n                                    some of\r\n                                    your money early, you have so many options like:<\/p>\r\n                                <ul>\r\n                                    <li>10% (sometimes more) Penalty Free Withdrawals<\/li>\r\n                                    <li>Borrow money out (must qualify)<\/li>\r\n                                    <li>Annuitize (select one of usually a dozen options to start receiving pension\r\n                                        payments,\r\n                                        like guaranteed income for life option or many others)<\/li>\r\n                                    <li>Hardships requests<\/li>\r\n                                <\/ul>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item6\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-7.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>TAX FAVORED<\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item6\">\r\n                            <div class=\"inner-container\">\r\n                                <p>The Magic Annuity isTAX-FAVORED, meaning it gives you tax advantages and lets you\r\n                                    manage\r\n                                    how and when you pay taxes; and For over 20 years, the typical Magic Annuity has\r\n                                    outperformed the typical Mutual Funds investor (and thus Variable Annuities) in\r\n                                    average\r\n                                    returns.<\/p>\r\n                                <p>Inside most Mutual Funds and Variable Annuities Tax Benefits don\u2019t always outweigh\r\n                                    the\r\n                                    FEES such as the infamous 12b1 expenses which can be as high as 1.5%. Additionally,\r\n                                    if\r\n                                    these investments were made inside a tax-deferred account like a 401(k), 403(b), 457\r\n                                    (b)\r\n                                    or IRA, about 25%-33% on average in income taxes will have to be paid, according to\r\n                                    the\r\n                                    Center for Retirement Research at Boston College.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-12 p-0 hidden-mobile\">\r\n                    <div class=\"inner-content-accordation item4\">\r\n                        <div class=\"inner-container\">\r\n                            <p>The Magic Annuity often offers BONUSES when you make your initial deposit. Yep,\r\n                                    sometimes\r\n                                    as high as 10% (if you\u2019re 52 or younger, or 5 to 7% if older)! Imagine, you invest\r\n                                    $100,000 in the Magic Annuity, and your first statement shows an accumulation value\r\n                                    of\r\n                                    $110,000!!! Wow you just made 10% return and all you did was make the initial\r\n                                    investment! Now it\u2019s not always 10% maybe its 5%, but that isn\u2019t a kick in the head\r\n                                    either!<\/p>\r\n                            <p>So, let\u2019s say the Advisor in this case made a 7% commission on your $100,000\r\n                                investment.\r\n                                The next day your account is credited with an opening balance of $110,000. Hmmmmmm.\r\n                                Would you consider staying with this investment for 5 to 10 years, after which all\r\n                                or\r\n                                most of your penalties disappear? Remember, you have penalty free access, if you\r\n                                need\r\n                                it.<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item5\">\r\n                        <div class=\"inner-container\">\r\n                            <p>The Insurance Company, just like the Mutual Fund Provider or Bank, shares with you in\r\n                                    the\r\n                                    upside of the market returns. The difference with the MAGIC ANNUITY is that the\r\n                                    Insurance\r\n                                    Company GUARANTEES your principal investment, pays the up-front commission out of\r\n                                    their own\r\n                                    pocket, and must wait, often up to 7 years or longer, to get any return on their\r\n                                    investment\r\n                                    (ROI). In exchange, they require you to stay in the contract long enough for them to\r\n                                    recoup\r\n                                    their costs and be able to make some return on their investment. During the entire\r\n                                    time\r\n                                    you\u2019re in the contract they never extract a dime out of your account and continue to\r\n                                    credit\r\n                                    all returns based on 100% (sometimes more) of your principal. Even if you did need\r\n                                    some of\r\n                                    your money early, you have so many options like:<\/p>\r\n                            <ul>\r\n                                <li>10% (sometimes more) Penalty Free Withdrawals<\/li>\r\n                                <li>Borrow money out (must qualify)<\/li>\r\n                                <li>Annuitize (select one of usually a dozen options to start receiving pension\r\n                                    payments,\r\n                                    like guaranteed income for life option or many others)<\/li>\r\n                                <li>Hardships requests<\/li>\r\n                            <\/ul>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item6\">\r\n                        <div class=\"inner-container\">\r\n                            <p>The Magic Annuity isTAX-FAVORED, meaning it gives you tax advantages and lets you\r\n                                    manage\r\n                                    how and when you pay taxes; and For over 20 years, the typical Magic Annuity has\r\n                                    outperformed the typical Mutual Funds investor (and thus Variable Annuities) in\r\n                                    average\r\n                                    returns.<\/p>\r\n                            <p>Inside most Mutual Funds and Variable Annuities Tax Benefits don\u2019t always outweigh\r\n                                    the\r\n                                    FEES such as the infamous 12b1 expenses which can be as high as 1.5%. Additionally,\r\n                                    if\r\n                                    these investments were made inside a tax-deferred account like a 401(k), 403(b), 457\r\n                                    (b)\r\n                                    or IRA, about 25%-33% on average in income taxes will have to be paid, according to\r\n                                    the\r\n                                    Center for Retirement Research at Boston College.<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item7\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-7.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>CUSTOM DESIGN\r\n                        <\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item7\">\r\n                            <div class=\"inner-container\">\r\n                                <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" data-lightbox=\"mobile1\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" class=\"img-res\" \/>\r\n                                <\/a>\r\n                                <br\/>\r\n                                <p>The MAGIC ANNUITY, aka Fixed Index Annuity, is a viable safe alternative to Mutual\r\n                                    Fund\r\n                                    and Variable Annuity investing! There simply is no reason to RISK your principal for\r\n                                    so\r\n                                    little upside. Alternatively, if you are investing with RISK you should be receiving\r\n                                    a\r\n                                    much higher rate of return.<\/p>\r\n                                <p>Here you can see the S&P 500 (2007 \u2013 2018) compared against an FIA that only\r\n                                    participates\r\n                                    in 50% of market gains, BUT None of the losses. Notice the 50% participation FIA\r\n                                    pretty\r\n                                    much matches the S&P over time.<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item8\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-8.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>HUNDREDS OF PRODUCTS\r\n                        <\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item8\">\r\n                            <div class=\"inner-container\">\r\n                                <ul class=\"inner-content-accordation-logo\">\r\n                                    <li>\r\n                                        \r\n                                        <p>AIG<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AIG Retirement Services<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American Century Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>American Fidelity Assurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American Funds Distributors, Inc. (AFD)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American United Life (AUL), a OneAmerica Financial Partner<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Americo Financial Life and Annuity Insurance Company \/ Great Southern Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Ameriprise Financial Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Athene Annuity and Life Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AXA Distributors, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AXA Equitable Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Brighthouse Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>CalSTRS Pension2<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>CTA Voluntary Retirement Plans for Educators, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Empower Retirement<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Fidelity<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Fidelity Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>First Investors Funds distributed by Foresters Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Franklin Templeton Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>FTJ FundChoice, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Global Atlantic Financial Group<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>GLP Investment Services, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Great American Insurance Group (Annuity Investors Life Insurance Company)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>GWN Securities, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Horace Mann Investors, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Horace Mann Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>ICMA-RC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Industrial-Alliance Pacific Life Ins Co, US Branch<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Invesco (formerly Oppenheimer Funds)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Jackson National Life Ins. Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Lincoln Investment, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Lincoln Nat'l Life Ins Co (Lincoln Financial Group), The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>MassMutual, through its subsidiary, C.M. Life Insurance Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Metlife<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Metropolitan Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Midland National<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Modern Woodmen of America<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>National Life Group through member company Life Insurance Company of the Southwest<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Nationwide Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>New York Life Ins. & Annuity Corp.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>North American Company for Life and Health<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Pacific Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                      \r\n                                        <p>PFS Investments Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>PlanMember Services Corp<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Putnam Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>RBB Funds Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Security Benefit<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Thrivent Financial AKA Thrivent Financial for Lutherans, Thrivent Mutual Funds<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>TIAA<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Transamerica<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Transamerica Fund Services, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Transamerica Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>USAA Investment Management Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>USAA Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Vanguard<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Vanguard Group, The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                      \r\n                                        <p>Voya - ReliaStar Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Voya Retirement Insurance and Annuity Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Waddell & Reed, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Western National Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                <\/ul>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-4 fhri-home-features-single\">\r\n                    <a class=\"toggle-link\" data-item=\"item9\" href=\"javascript:void(0);\">\r\n                        <img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/icon-9.png\"\r\n                            class=\"attachment-large size-large\" alt=\"\">\r\n                        <h4>WHO ARE WE?\r\n                        <\/h4>\r\n                    <\/a>\r\n                    <div class=\"visible-mobile\">\r\n                        <div class=\"inner-content-accordation item9\">\r\n                            <div class=\"inner-container\">\r\n                                <p>My name is Robert Lotter. I am the founder of the Financial and Health Research\r\n                                    Institute. In my 40 years of being in the financial services business, my firms have\r\n                                    served over 1,000,000 public and private employees.<br \/><br \/> Our specialty has always been\r\n                                    retirement savings benefits, specifically 403b, 457b, 401k and IRAs. One of my firms\r\n                                    is\r\n                                    the oldest and largest Third Party Administrator for retirement benefits in the\r\n                                    state of\r\n                                    California. Because of this, we have service agreements with about 50 or so large\r\n                                    financial institutions from Allianz Insurance Company to Vanguard Mutual Funds. We\r\n                                    literally handle the remittance of funds from the employer on behalf of thousands of\r\n                                    their employees, directly into these retirement savings program. Few people in this\r\n                                    country have this kind of access and awareness about the myriad of financial choices\r\n                                    available today. These include everything from Exchange Trade Funds, Mutual Funds,\r\n                                    Managed Accounts, Variable Annuities and Fixed Annuities. While it is important to\r\n                                    have\r\n                                    a financial advisor, few are experts on as many product offerings. I encourage you\r\n                                    to\r\n                                    sign up for a free, no obligation, risk analysis of your retirement investment\r\n                                    portfolio. Ask one of our advisors for an official illustration of a MAGIC Annuity,\r\n                                    which will project not only your return on investment possibilities, but also a\r\n                                    myriad\r\n                                    of other benefits. I promise you it wont be a waste of time and everything can be\r\n                                    done\r\n                                    over the phone and internet! Wishing you the peace of mind that ONLY a guaranteed\r\n                                    investment can provide!<\/p>\r\n                                <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                    <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                    <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"htb-col-md-12 p-0 hidden-mobile\">\r\n                    <div class=\"inner-content-accordation item7\">\r\n                        <div class=\"inner-container\">\r\n                            <a href=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" data-lightbox=\"desktop4\">\r\n                                <img decoding=\"async\" src=\"https:\/\/fhri.org\/wp-content\/uploads\/2019\/07\/sp-vs-magic.png\" class=\"img-res\" \/>\r\n                            <\/a>\r\n                            <p>The MAGIC ANNUITY, aka Fixed Index Annuity, is a viable safe alternative to Mutual\r\n                                Fund\r\n                                and Variable Annuity investing! There simply is no reason to RISK your principal for\r\n                                so\r\n                                little upside. Alternatively, if you are investing with RISK you should be receiving\r\n                                a\r\n                                much higher rate of return.<\/p>\r\n                            <p>Here you can see the S&P 500 (2007 \u2013 2018) compared against an FIA that only\r\n                                participates\r\n                                in 50% of market gains, BUT None of the losses. Notice the 50% participation FIA\r\n                                pretty\r\n                                much matches the S&P over time.<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item8\">\r\n                        <div class=\"inner-container\">\r\n                            <ul class=\"inner-content-accordation-logo\">\r\n                                <li>                                        \r\n                                        <p>AIG<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AIG Retirement Services<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>American Century Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American Fidelity Assurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American Funds Distributors, Inc. (AFD)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>American United Life (AUL), a OneAmerica Financial Partner<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Americo Financial Life and Annuity Insurance Company\/Great Southern Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Ameriprise Financial Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Athene Annuity and Life Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AXA Distributors, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>AXA Equitable Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Brighthouse Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>CalSTRS Pension2<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>CTA Voluntary Retirement Plans for Educators, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Empower Retirement<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Fidelity<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Fidelity Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>First Investors Funds distributed by Foresters Financial<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Franklin Templeton Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>FTJ FundChoice, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Global Atlantic Financial Group<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>GLP Investment Services, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Great American Insurance Group (Annuity Investors Life Insurance Company)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>GWN Securities, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Horace Mann Investors, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Horace Mann Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>ICMA-RC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                       \r\n                                        <p>Industrial-Alliance Pacific Life Ins Co, US Branch<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Invesco (formerly OppenheimerFunds)<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Jackson National Life Ins. Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Lincoln Investment, LLC<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                      \r\n                                        <p>Lincoln Nat'l Life Ins Co (Lincoln Financial Group), The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>MassMutual, through its subsidiary, C.M. Life Insurance Co.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Metlife<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Metropolitan Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Midland National<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Modern Woodmen of America<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>National Life Group through member company Life Insurance Company of the Southwest<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Nationwide Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>New York Life Ins. & Annuity Corp.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>North American Company for Life and Health<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Pacific Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>PFS Investments Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>PlanMember Services Corp<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Putnam Investments<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>RBB Funds Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Security Benefit<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                      \r\n                                        <p>Thrivent Financial AKA Thrivent Financial for Lutherans, Thrivent Mutual Funds<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>TIAA<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Transamerica<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Transamerica Fund Services, Inc.<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Transamerica Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>USAA Investment Management Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>USAA Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Vanguard<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Vanguard Group, The<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Voya - ReliaStar Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Voya Retirement Insurance and Annuity Company<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                       \r\n                                        <p>Waddell & Reed, Inc<\/p>\r\n                                    <\/li>\r\n                                    <li>\r\n                                        \r\n                                        <p>Western National Life Insurance Company<\/p>\r\n                                    <\/li>\r\n                            <\/ul>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"inner-content-accordation item9\">\r\n                        <div class=\"inner-container\">\r\n                            <p>My name is Robert Lotter. I am the founder of the Financial and Health Research\r\n                                Institute. In my 40 years of being in the financial services business, my firms have\r\n                                served over 1,000,000 public and private employees.<br> Our specialty has always been\r\n                                retirement savings benefits, specifically 403b, 457b, 401k and IRAs. One of my firms\r\n                                is\r\n                                the oldest and largest Third Party Administrator for retirement benefits in the\r\n                                state of\r\n                                California. Because of this, we have service agreements with about 50 or so large\r\n                                financial institutions from Allianz Insurance Company to Vanguard Mutual Funds. We\r\n                                literally handle the remittance of funds from the employer on behalf of thousands of\r\n                                their employees, directly into these retirement savings program. Few people in this\r\n                                country have this kind of access and awareness about the myriad of financial choices\r\n                                available today. These include everything from Exchange Trade Funds, Mutual Funds,\r\n                                Managed Accounts, Variable Annuities and Fixed Annuities. While it is important to\r\n                                have\r\n                                a financial advisor, few are experts on as many product offerings. I encourage you\r\n                                to\r\n                                sign up for a free, no obligation, risk analysis of your retirement investment\r\n                                portfolio. Ask one of our advisors for an official illustration of a MAGIC Annuity,\r\n                                which will project not only your return on investment possibilities, but also a\r\n                                myriad\r\n                                of other benefits. I promise you it wont be a waste of time and everything can be\r\n                                done\r\n                                over the phone and internet! Wishing you the peace of mind that ONLY a guaranteed\r\n                                investment can provide!<\/p>\r\n                            <div class=\"inner-content-accordation-action htd-text-center\">\r\n                                <p><a class=\"link-red\" href=\"https:\/\/fhri.org\/the-magic-annuity-post\/\">Read Entire Article<\/a><\/p>\r\n                                <a class=\"btn-red drift_popup_home_test\">Learn About Risk-Free Investing<\/a>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    <script>\r\n        jQuery(document).ready(function () {\r\n            jQuery('.toggle-link').click(function (e) {\r\n                e.preventDefault();\r\n                var $this = jQuery(this).attr(\"data-item\");\r\n                console.log($this);\r\n                if (jQuery(\".\" + $this).hasClass('show')) {\r\n                    jQuery(\".\" + $this).removeClass('show');\r\n                    jQuery(this).parent().removeClass(\"active-feat\");\r\n                    jQuery(\".\" + $this).slideUp(350);\r\n                } else {\r\n                    jQuery(\".\" + $this).parent().parent().find('div .inner-content-accordation').removeClass('show');\r\n                    jQuery(\".active-feat\").removeClass(\"active-feat\");\r\n                    jQuery(\".\" + $this).parent().parent().find('div .inner-content-accordation').slideUp(350);\r\n                    jQuery(\".\" + $this).toggleClass('show');\r\n                    jQuery(\".\" + $this).slideToggle(350);\r\n                    jQuery(this).parent().toggleClass(\"active-feat\");\r\n                }\r\n            });\r\n        });\r\n    <\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d747fe5 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d747fe5\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5de1538\" data-id=\"5de1538\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-728515f elementor-widget elementor-widget-heading\" data-id=\"728515f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-xl\">Calculate your bonus and first year return<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f85a19a elementor-widget elementor-widget-text-editor\" data-id=\"f85a19a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"priceslidecontainer\"><div class=\"row\"><div class=\"col-md-6\"><p>Age: <span id=\"ageLbl\"><\/span><\/p><p><input id=\"ageRange\" class=\"slider\" max=\"85\" min=\"50\" step=\"1\" type=\"range\" value=\"50\" \/><\/p><\/div><div class=\"col-md-6\"><p>Contribution: <span id=\"amtLbl\"><\/span><\/p><p><input id=\"myRange\" class=\"slider\" max=\"500000\" min=\"1000\" step=\"1000\" type=\"range\" value=\"50000\" \/><\/p><\/div><\/div><div class=\"row\"><div class=\"col-md-12\"><div class=\"cal\"><div id=\"rangevalue\">\u00a0<\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef497cc elementor-mobile-align-center elementor-align-center drift_popup_home_test home-cta elementor-widget elementor-widget-button\" data-id=\"ef497cc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Indexed Annuity Illustration<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-260820d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"260820d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-560d49d\" data-id=\"560d49d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f700be elementor-widget elementor-widget-text-editor\" data-id=\"8f700be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cThe mutual fund industry is now the world\u2019s largest skimming operation, a $7 trillion (now over $20 trillion) trough from which fund managers, brokers, and other insiders are steadily siphoning off an excessive slice of the nation\u2019s household, college, and retirement savings.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36c6292 elementor-widget elementor-widget-text-editor\" data-id=\"36c6292\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"font-size: 18px;\">&#8211; Senator Peter Fitzgerald<\/strong><br \/>Former Chairman of the Senate Subcommittee on Financial Management<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2dbf953 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2dbf953\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-779efb3\" data-id=\"779efb3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ccbbfb elementor-widget elementor-widget-image\" data-id=\"4ccbbfb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-one.png\" class=\"attachment-large size-large wp-image-31\" alt=\"\" srcset=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-one.png 500w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-one-150x150.png 150w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-one-300x300.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-31cdfaa\" data-id=\"31cdfaa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bc5236 elementor-widget elementor-widget-heading\" data-id=\"5bc5236\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nDon\u2019t Believe The Hype\nAbout Mutual Funds!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a35aa19 elementor-widget elementor-widget-text-editor\" data-id=\"a35aa19\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>According to a new study by DALBAR, the \ufb01nancial community\u2019s leading independent expert for unbiased ratings and performance evaluations, the typical investor in equity mutual funds has gotten only a 3.88% annual return\u2026 over the last 20 years! The average investor in asset allocation mutual funds (which spread your money among a variety of classes) earned only 1.87% per year<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec636c2 elementor-widget elementor-widget-text-editor\" data-id=\"ec636c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Quantitative Analysis of Investor Behavior report by DALBAR, 20-year period ending December 31, 2018.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef28df4 elementor-mobile-align-center drift_popup_home_test home-cta elementor-align-left elementor-widget elementor-widget-button\" data-id=\"ef28df4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Indexed Annuity Illustration<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8024da elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8024da\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2220de1\" data-id=\"2220de1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d1c734 elementor-widget elementor-widget-heading\" data-id=\"3d1c734\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Stop Paying Fees!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fcab04 elementor-widget elementor-widget-text-editor\" data-id=\"3fcab04\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>12b1 Fees, as high as 1.5%, Assets Under management Fees as high as 2%, Money Management Fees another .25 to .5% ZERO FEES = Higher Returns<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de9889d elementor-mobile-align-center drift_popup_home_test home-cta elementor-align-left elementor-widget elementor-widget-button\" data-id=\"de9889d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Indexed Annuity Illustration<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-04353fb\" data-id=\"04353fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77b6832 elementor-widget elementor-widget-image\" data-id=\"77b6832\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"451\" height=\"400\" src=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-two.png\" class=\"attachment-large size-large wp-image-56\" alt=\"\" srcset=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-two.png 451w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-two-300x266.png 300w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57f71fd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57f71fd\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a78ec1f\" data-id=\"a78ec1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d15d93b elementor-widget elementor-widget-image\" data-id=\"d15d93b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"415\" height=\"450\" src=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-three.png\" class=\"attachment-full size-full wp-image-79\" alt=\"\" srcset=\"https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-three.png 415w, https:\/\/robertlotter.com\/fhri\/wp-content\/uploads\/2019\/06\/box-three-277x300.png 277w\" sizes=\"(max-width: 415px) 100vw, 415px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-30b5681\" data-id=\"30b5681\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8228a0b elementor-widget elementor-widget-heading\" data-id=\"8228a0b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Competitive Returns<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d38768c elementor-widget elementor-widget-text-editor\" data-id=\"d38768c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Better \ufb01nancial results than Mutual Funds with NO RISK TO PRINCIPAL AND EARNINGS! It\u2019s even possible to beat the market over time with the right MAGIC Annuity strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ffc70e elementor-mobile-align-center drift_popup_home_test home-cta elementor-align-left elementor-widget elementor-widget-button\" data-id=\"3ffc70e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Indexed Annuity Illustration<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f95707 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f95707\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e1f79f4\" data-id=\"e1f79f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7819c1c elementor-widget elementor-widget-heading\" data-id=\"7819c1c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-xl\">Customers Love the RISK-FREE MAGIC Annuity<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2a2f89 risk-slider elementor-widget elementor-widget-lae-testimonials-slider\" data-id=\"d2a2f89\" data-element_type=\"widget\" data-widget_type=\"lae-testimonials-slider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"lae-testimonials-slider lae-testimonials-slider-style1 lae-container\"\n                                 data-settings='{&quot;fade&quot;:false,&quot;autoplay&quot;:true,&quot;autoplay_speed&quot;:5000,&quot;animation_speed&quot;:600,&quot;dots&quot;:true,&quot;arrows&quot;:false,&quot;pause_on_hover&quot;:true,&quot;pause_on_focus&quot;:false,&quot;adaptive_height&quot;:false,&quot;display_columns&quot;:1,&quot;scroll_columns&quot;:1,&quot;tablet_width&quot;:800,&quot;tablet_display_columns&quot;:1,&quot;tablet_scroll_columns&quot;:1,&quot;mobile_width&quot;:480,&quot;mobile_display_columns&quot;:1,&quot;mobile_scroll_columns&quot;:1}'>\n\n        \n            \n            \n<div class=\"lae-testimonial lae-rating-none\">\n\n    <div class=\"lae-testimonial-text\">\n\n        <i class=\"lae-icon-quote\"><\/i>\n\n        \n        <p>&#8220;Finally, an investment that doesn&#8217;t risk my principal!&#8221;<\/p>\n    <\/div>\n\n    <div class=\"lae-testimonial-user\">\n\n        <div class=\"lae-image-wrapper\">\n\n            \n            \n                \n            \n        <\/div><!-- .lae-image-wrapper -->\n\n        <div class=\"lae-user-text\">\n\n            <h4 class=\"lae-author-name\"><\/h4>\n\n            <div class=\"lae-author-credentials\"><\/div>\n\n        <\/div>\n\n    <\/div><!-- .lae-testimonial-user -->\n\n<\/div><!-- .lae-testimonial -->\n        \n            \n            \n<div class=\"lae-testimonial lae-rating-none\">\n\n    <div class=\"lae-testimonial-text\">\n\n        <i class=\"lae-icon-quote\"><\/i>\n\n        \n        <p>&#8220;Now going forward I have the confidence knowing that when I need my retirement funds, they will be there.&#8221;<\/p>\n    <\/div>\n\n    <div class=\"lae-testimonial-user\">\n\n        <div class=\"lae-image-wrapper\">\n\n            \n            \n                \n            \n        <\/div><!-- .lae-image-wrapper -->\n\n        <div class=\"lae-user-text\">\n\n            <h4 class=\"lae-author-name\"><\/h4>\n\n            <div class=\"lae-author-credentials\"><\/div>\n\n        <\/div>\n\n    <\/div><!-- .lae-testimonial-user -->\n\n<\/div><!-- .lae-testimonial -->\n        \n            \n            \n<div class=\"lae-testimonial lae-rating-none\">\n\n    <div class=\"lae-testimonial-text\">\n\n        <i class=\"lae-icon-quote\"><\/i>\n\n        \n        &#8220;I don&#8217;t have to hassle with the management of my account or having to pay someone else to do it for me. The insurance company does it without charging me a fee and without any risk.&#8221;\n    <\/div>\n\n    <div class=\"lae-testimonial-user\">\n\n        <div class=\"lae-image-wrapper\">\n\n            \n            \n                \n            \n        <\/div><!-- .lae-image-wrapper -->\n\n        <div class=\"lae-user-text\">\n\n            <h4 class=\"lae-author-name\"><\/h4>\n\n            <div class=\"lae-author-credentials\"><\/div>\n\n        <\/div>\n\n    <\/div><!-- .lae-testimonial-user -->\n\n<\/div><!-- .lae-testimonial -->\n        \n<\/div><!-- .lae-testimonials-slider -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c2b1a7a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c2b1a7a\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-283381a\" data-id=\"283381a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dd2996 elementor-widget elementor-widget-heading\" data-id=\"5dd2996\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About FHRI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf031f9 elementor-widget elementor-widget-text-editor\" data-id=\"bf031f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Financial Health Research Institute offers FREE financial tools and services to empower you to make informed financial decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b487b0 elementor-widget elementor-widget-text-editor\" data-id=\"7b487b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a class=\"btn ask-btn\" href=\"https:\/\/ahc.fhri-services.com\/wantinfo\">ASK US ANYTHING<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The Magic of Safe Investing Learn About Risk-Free Investing Compare Returns Compare Returns<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1329","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Magic of Safe Investing - FHRI<\/title>\n<meta name=\"description\" content=\"Risk free investing - Our product recommendations ALWAYS GUARANTEE YOUR PRINCIPAL OR GAINS! 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