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Which Road Do you take. One leads to financial success, the other financial problems. 

The process of setting goals helps you choose where you want to go in life.

By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You'll also quickly spot the distractions that would otherwise lure you from your course.

Financial / Retirement  Services, Resources, and Solutions using all the tools in our bag to offer the most competitive products from the highest-rated institutions, so you can be confident that our competition does not have something better to offer.

Information contained herein should not be construed as legal or tax advice and is intended for illustrative purposes only. All charts, graphs, estimates and projections are based upon hypothetical situations, are not representative of any particular financial condition and are not intended to represent a likely or guaranteed return or outcome for any prospective customer.

Welcome

WaterStates Financial
represents the very spirit of America in helping our clients save time, effort and money by simplifying their financial needs. 

A secure financial future is about more than just reaching a destination.  Our vision is to help working Americans prepare for the important financial journey they face.  Preparing for it should be like taking a voyage and having positive experiences along the way.  

WaterStates is an independent educational, and retirement marketing group specializing in annuities and retirement income. We can provide a detailed road map to help achieve your financial goals and Bullet and Fire Proofing  family and business finances.

Life is like 18 holes of golf.  On the Front 9 you accumulate wealth and on the Back 9 you take it out.....and, while not everyone will live to 90, we are living longer in retirement than our prior generations.  As a result preparing for the Back 9 needs to be a priority in our life. 

It is my belief that just as you want a high probability of getting to your destination on an airplane, you want a high “success probability” in never outliving your money.

The Golden Touch:  Knowing how to make money, knowing what to do with money once you have it, knowing how to keep people from taking your money away from you, knowing how to keep your money for the long term, and knowing how to make your money work for you- is of vital importance in the quest to achieving financial freedom.

We believe that the needs of an investor should always come first.  For most of our clients, the primary goal is making sure that they can receive an income from their assets for the rest of their lives. 

Do not regret the Road Not Taken!  



On the surface “The Road Not Taken” by Robert Frost is a poem about a man who is on a journey and comes to a fork in the road. He is faced with what seems to be a very casual decision about which way to go.

Should he go to the right or to the left? Is there a difference? In reality, the poem represents everything from which car to purchase to the more impacting decisions that people have to make at life’s forks in the roads they travel.

While some of these decisions may seem insignificant at the time, they all have permanent, lasting affects.

Retirement may be an ending, a closing, but it is also a new beginning. Retirement, is a time to do what you want to do, when you want to do it, where you want to do it, and, how you want to do it.  
With your income guaranteed forever you can rest assured that your retirement will be safe and secure. If you invest in a way that, no matter what, your basic income needs are covered you never have to worry about the markets ups and downs ever again.

Our workshops help find the road that is already paved and smooth.

Our mission is to assist our clients in reaching their financial goals by providing quality financial services and creative, intelligent solutions to their needs.

AnnuityNews

Winging it is not a Strategy
 Powered by Max Banner Ads In a market where it is difficult enough to persuade people to make adequate provision for their income in retirement, expecting a significant number of customers to save or set aside funds for the possibility they will require long-term care is a huge leap of faith. When the flood comes, you [...]
Mon, 06 May 2013 15:21:54 +0000

Annuities are great transfer of risk products!
Retirement is not an age, but an ongoing stage of life.  For baby boomers, retirement income planning is essential because the stakes are high. Some of them could live 30 years or more in retirement. Most of us we are resistant to change. Baby boomers are starting to value guaranteed income in retirement over higher [...]
Fri, 03 May 2013 17:32:56 +0000

Asset and Income Protection
Hitting that century mark or even living well into our nineties is hard to fathom – so much so, that a lot of us are guilty of just ignoring the “what ifs” of making it that far in life. The facts show that we ARE living longer and longer. This is great news but living longer [...]
Mon, 15 Apr 2013 18:25:47 +0000

Nursing Home Protection
Most people’s foremost fear in planning their retirement is simply outliving their money.  Just as we plan for bigger retirement nest eggs to cover increased life-spans, we must also plan for the long term care that is often needed as we potentially face decades of chronic illness. The reason you buy long term care insurance [...]
Thu, 11 Apr 2013 16:17:42 +0000

Our WorkShops

WorkShops Offered:

1. "Mapping Your Retirement" is indespensible in helping navigate the second half of  your life.  Providing tools to help prepare emotionally, physcially, and financially for this stage of life.

 2. "Federal Employee  Retirement Systems & Benefits" designed  for Federal employees,  Postal, Traffic Controllers, Police and FireFighters covered under Federal Retirement System.  This is essential for employees to make effective plans and to become aware of the benefits which could be payable in case of disability, death or retirement.

3.Life’s Final Chapter Workshop Series - planning for the end of life with “grace and gusto”. It encourages early decision-making and writing down plans before it's too late. Wiser choices can be made when there is time to explore the options with less emotional stress.
















 
Wharton Study 
"Real World Index Annuity Returns"
Click Here
 
Wharton School of Finance – White Papers

Investing Your Lump Sum at Retirement 
 
Does it matter if you invest in Stocks or Bonds? – NO - Study by Center for Retirement Research: Click Here
 
Boston College - Get your mind in Gear for Retirement Video. 

Click Here
 











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