1. Ensuring adequate growth to establish sufficient resources for retirement
2. Ensuring sufficient funds to provide for an individual or family throughout retirement

LTC Consulting of New England offers a fresh take on retirement investing by offering guaranteed growth investment products for people under and over the age of 65. We know what it takes to ensure our clients have enough funds to enjoy a comfortable retirement. At LTC Consulting of New England, our staff can provide you with expertise in guaranteed growth products that you won't find with other financial planners. We focus on the client and their current portfolio to establish a secure, non-risk investment product that will provide sufficient growth for retirement.

LTC Consulting of New England LLC
Specializes in Fixed & Equity Index Annuities

• 1929 Great Depressions: Fixed Annuities were not affected by the stock market crash. People who placed funds into an annuity understood the importance of protecting their personal assets.


• Recessions of 1937: Numerous people were laid-off and income dramatically declined. People knew the importance of preserving assets and were able to rely on annuities for income.


• Recession of 2008-2009: Once again Fixed & Equity Index Annuities were not affected by the stock market decline. People who 1035 transferred their 401k’s, IRAs, Variable Annuities & Mutual Funds into an Fixed or Equity Index Annuity prior to the stock market decline were able to protect their retirement assets from losses. Many people were hit with up to a 30% decline in their investment values while people with Fixed & Equity Index Annuities received an increased values.

The stock market is unpredictable; annuities are guaranteed.

FDIC does not insure insurance company annuities. Insurance companies have the capability to insure their own product by the use of Insurance Company Reserves.

State Pool of Insurance is a program designed to insure every annuity program. Every insurance company is required to be a member of the State Pool of Insurance before they receive authorization by the State Division of Insurance to offer their annuity plans. If an insurance company ever needed to file for bankruptcy their reserves would be frozen and members of the State Pool of Insurance would guarantee your annuity program and account value.

Insurance Company Annuity Programs have come a long way since the early 80’s. Insurance companies of today carry more than one annuity program. Offering different annuity plans provides the client with the flexibility of choosing the right annuity plan for their retirement.

What are some incentives of an annuity?

1. Guarantee Interest Rates
2. Tax Deferred
3. Compounding Interest Rates
4. Avoids Probate Court
5. Income for Life
6. Withdrawals
7. Loans
8. Flexibility, with 3, 4, 5, 6, 8, 10, & 12 Year Plans
9. Bonus Incentives up to 10%
10. Protection of Deposits & Accumulated Growth

How can you protect old 401k & IRA Plans?

People change jobs frequently or are laid-off. Leaving a 401k or IRA with a past employer financial institution isn’t always the best idea especially if you have no intentions of continuing to contribute to the existing plan. It’s not uncommon for employees to have 2 or 3 old 401k/IRA plans from past employers. Consider consolidating old retirement plans in to an IRA Annuity.

Can a person protect a portion of a current 401k or IRA?

Yes, if you are currently contributing to a 401k/IRA on a weekly basis and your retirement is scheduled to take place in less than 10 years think about protecting a portion for your retirement with an annuity. Many current 401k/IRAs suffered serious losses due to market conditions which affected many retirement dates. Annuities are a great way to prepare a stronger retirement. By transferring a small portion of your current 401k/IRA while still contributing to your current plan you will preserve those needed retirement funds and reduce the risk of market decline.

Financial Institution Broker Fees:

Financial institution brokers charge either a monthly or quarterly fee for services. Depending on customer terms of agreement these fees can have a direct affect on your account value. Regardless if the investment increases or decreases in value, brokers still charge a service fee against the account. When funds decline institutional fees can make it more difficult for the customer to regain their losses.

Most insurance companies’ annuity programs do not charge a service fee. Independent insurance brokers or insurance agents receive a commission directly from the insurance company not from the client’s annuity funds.

What Annuity program is best for a client?

There are numerous insurance companies and annuity programs available in the United States. It is often in the best interest of the client to meet with an independent insurance broker as opposed to a specific insurance company agent. Insurance brokers are affiliated with a multitude of insurance companies. As an independent insurance broker, LTC Consulting of New England LLC has over 25 different annuity plans available to present to its clients. Insurance company agents who work for only one company are usually only able to offer 1 or 2 annuity plans.

Insurance company ratings are also important. Always ask your insurance broker or agent what the current rating is for the insurance company being discussed. Get familiar with the annuity plan and how it works. There are many different types of annuity plans available, enough to suite each person’s individual needs and personal retirement goals.