Knoxville, TN – July 23, 2013 – Bob Fugate, of Retirement Financial Solutions in Knoxville, Tennessee, says his clients want to know “how they can invest their money, but they’re afraid of the stock market.” Many are holding their retirement savings in money market accounts, “losing money safely” as Fugate says, “because inflation is more than the interest they’re getting.” The hard decision between playing it safe, with limited returns, or gambling on the market is one every retiree has to make. Fugate’s total planning approach makes the decision much easier, and his success is proved in his clients’ portfolios. In fact, within the last ten years – a decade which has seen at least two financial melt-downs and has been termed “the lost decade” – his firm has gained 369 clients, and, except for death, has only lost two. “That tells you my clients are happy,” says Fugate, “because we’ve had a market in those years that would have taken unhappy clients away.”

When talking about his business, Fugate says “We’re East Tennessee people, we know how to do asset protection and income planning,” as if those skills were as naturally acquired as baking an apple stack cake for a country wedding. And like any great stack cake, he too has a secret ingredient: the Fixed Index Annuity. “No one in America has lost a dime of principal in fixed annuities,” he asserts, and they allow for more growth – and more safety – than almost any other type of investment. Fugate says “You’re not invested in the market, and the insurance company actually gives you a minimum guarantee. You get the increase when the market goes up, and you don’t lose money when it goes down.” The index Fugate uses is made up of 24 different futures contracts and has made money in 18 out of 22 years.

It’s his knowledge of products like these that allow Fugate’s clients to not have to choose between “losing money safely” and risking everything. Like any good old country boy, Bob Fugate knows when to plant, when to grow, and when to harvest. That fundamental know-how serves his clients well when planning their retirement incomes and estates. Those who followed his total planning approach in the last decade, he says, didn’t lose money – even in 2008, the hardest year for many investors. It’s an impressive track record, a record which has been won by blending old-fashioned common sense with current financial savvy.

Read more at http://www.retirementfs.com/our-story