Retirement Funding (401 K) - Never before has the need been as great for proper retirement planning. As the "Baby Boomers" mature and retire, our society is learning that many people may truly outlive their money. To help protect against this, we can assist you in developing a retirement income plan for your employees.

Equity Indexed Annuities - If you don't like what has been happening to your portfolio, it's time to think about reallocating your assets!

We will help you protect your investments from another painful jolt from the equity market, with a "PROVEN SAFE MONEY" vehicle. We are your "Safe money guys!"

Our priorities and needs change at different times in our lives. That is why it is so important to evaluate your current situation and re-allocate your assets accordingly. The process starts by re-assessing the level of risk you are willing to take. We will consider your age, income, dependents, estate size, etc.

Your time horizon plays a critical role in the allocation of your assets. For example, young people in the 20's and 30's have plenty of time to recover from adventurous investments. Adults in the 30's and 40's seek aggressive avenues of wealth accumulation. Those who are in their 40's and 50's should begin to invest with some caution as you head toward retirement. Seniors 60 and beyond should really be looking at a more conservative investment approach.

Start now so you can enjoy Retirement! It's never too "early to start."

A recent survey conducted by Senior Market Advisor found that over 30% of seniors were forced to work because they didn't start planning for retirement in the 30's and 40's. In addition, 75% of those surveyed did not get professional guidance on asset protection early on. That would explain why two-thirds of those between the ages of 50 and 60 said they are worried about not having enough money for retirement.

Your "golden years" will be here sooner than you think! Don't risk your hard-earned money, when there is an investment option that preserves your principal, and offers potentially attractive returns with a Guaranteed minimum!

David Doumar is registered with, supervised by and securities are offered through Kovack Securities, Inc. Member FINRA/SIPC.  (954) 782-4771.  6451 N. Federal Hwy  Suite 1201  Ft. Lauderdale, FL   33308