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Golden Benefits Company
Income Planning with Annuities

Golden Benefits Company Income Planning with AnnuitiesGolden Benefits Company Income Planning with AnnuitiesGolden Benefits Company Income Planning with Annuities

Golden Benefits Company
Income Planning with Annuities

Golden Benefits Company Income Planning with AnnuitiesGolden Benefits Company Income Planning with AnnuitiesGolden Benefits Company Income Planning with Annuities
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Let's plan your brighter future with tailored annuity recommendations and effective income strategies for successful retirement planning!

Secure your Retirement with the Power of Fixed Indexed Annuities

Secure your Retirement with the Power of Fixed Indexed AnnuitiesSecure your Retirement with the Power of Fixed Indexed AnnuitiesSecure your Retirement with the Power of Fixed Indexed Annuities
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Let's plan your brighter future with tailored annuity recommendations and effective income strategies for successful retirement planning!

Secure your Retirement with the Power of Fixed Indexed Annuities

Secure your Retirement with the Power of Fixed Indexed AnnuitiesSecure your Retirement with the Power of Fixed Indexed AnnuitiesSecure your Retirement with the Power of Fixed Indexed Annuities
Learn More

Safe Secure Guarantees for your Money

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Learn how Fixed Indexed Annuities can provide safe secure income, grow your money, and protect your account principal. Annuities allow you to spend more money in retirement and be confident in your planning that you will not run out of money during your lifetime.

Let us provide you with real life scenarios using our powerful income planning software, which is specifically designed to help you maximize your lifetime income through effective retirement planning and tailored annuity recommendations that enhance your income strategies.

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Do you want Guaranteed Income payments Now or in a few years?

How does a guaranteed income rider fit into my retirement planning and protect my income? Understanding annuity recommendations can help you develop effective income strategies to ensure financial stability during your retirement years.

See How

Benefits of Indexed Annuities

Principal Protection

Protection from market loss

Principal Protection

Your initial investment (principal) and previously credited earnings are protected from market downturns, which is a key consideration in annuity recommendations. This means their value will not decline due to negative index performance, allowing for effective income strategies in your retirement planning.

Growth Potential

Protection from market loss

Principal Protection

The interest credited is linked to the performance of an external market index (such as the S&P 500), which aligns with annuity recommendations that suggest exploring options with potential for higher returns. This offers the possibility of greater gains than traditional fixed annuities or CDs, particularly when considering income strategies for effective retirement planning.

Protection from market loss

Protection from market loss

Protection from market loss

When the linked index performs poorly during your retirement planning, you simply earn no interest for that period (or a guaranteed minimum rate, if applicable). However, you do not lose your interest or previously credited interest, which is a crucial aspect to consider in annuity recommendations and income strategies.

Guaranteed lifetime income

Guaranteed lifetime income

Protection from market loss

Many FIA's include optional riders (often for an additional cost) that can serve as valuable annuity recommendations, providing a guaranteed stream of income for the rest of your life or jointly with a spouse. This feature is essential for effective retirement planning, as it helps you implement income strategies that mitigate the risk of outliving your savings.

Locked in earnings

Guaranteed lifetime income

Estate Planning benefits

Once interest is credited to your account—typically at the end of each contract term—it is 'locked in' and cannot be lost to future market declines, thus securing your gains. This feature is often highlighted in annuity recommendations as a key benefit for effective income strategies in retirement planning.

Estate Planning benefits

Guaranteed lifetime income

Estate Planning benefits

You can name beneficiaries to receive the remaining value of your contract upon your death, which can be an effective strategy in your retirement planning. This approach can potentially help you avoid the time-consuming and costly probate process, aligning with various annuity recommendations and income strategies.

Retirement Readiness Calculator

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Do you find Annuities complicated or confusing?

Let us make the complex easy and understandable for you

First, we will seek to understand what you want to accomplish from including an annuity in your financial process. Our library of resources below will help you with key understanding of annuities and assist you in recognizing your opportunities for effective income strategies.


Second, once we understand your goals regarding growth or income, or both, we will provide detailed annuity recommendations that highlight the benefits of annuities and how they can improve your financial position, generate more guaranteed income, and reduce your risk.


Third, we will provide a printed summary of the top-tier annuities in the market tailored for your retirement planning goals, comparing the best options to achieve your desired results.


Fourth, we will conduct a detailed analysis of the increased guaranteed income generated from the inclusion of an annuity, along with the portfolio conservation that may result for you. Confirmation will be provided that selecting the right annuity will enhance your income, lower your risk exposure, and help preserve your assets.


Ongoing consultation and discussions are available for clarification and confirmation of your plan. We are easy to contact and ready to assist with your ongoing needs and servicing.


Let's Get Started - Contact Me Today to begin our conversation!

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Starting the Retirement Income Conversation

Nine Key Points to discuss with your financial professional

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Meet Randy Golden

Annuity Specialist

Randy is a native Houstonian and fifth generation Texan.

He has been in the financial services for four decades and has been affiliated with several large national financial firms prior to creating Golden Benefits Company. Randy has helped many hundreds of clients and is now working with second generation clients.

His unique approach is very personalized to each client and is designed to help create strategies to solve the puzzle of designing safe sustainable retirement income that will last a lifetime. His philosophy is to help clients avoid unnecessary risk to their hard earned money, protect their assets, and avoid loss of principal.

His easygoing style and conversational approach can help you to make sense of perceived complex strategies and recommendations.

Ongoing consultation and discussions are available for clarification and confirmation of your plan. We are easy to contact and ready to assist with your ongoing needs and servicing.


Let's Get Started - Contact Me Today to begin our conversation!

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Even Rock Stars can get behind having Safe Income

What does Elton John say about having protected income in the context of retirement planning? He emphasizes the importance of considering annuity recommendations and various income strategies to ensure a secure financial future.

Alliance For Lifetime Income-Consumer Research

Alliance For Lifetime Income-Annuity Guide

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Alliance For Lifetime Income-Consumer Research

Alliance For Lifetime Income-Check Off the Basics

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Alliance For Lifetime Income-Consumer Research

Deep Dive into Professor's take on protected annuity income

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Key Concepts to Know

How much Risk of loss do you want for your retirement money?

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Key Concepts to Know

Can the timing of returns shorten how long my money lasts?

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Key Concepts to Know

In Down Market Years Zero Can Be Your Hero

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Knowledge Support

Annuity Consumer Guide

Everything you wanted to know about Annuities

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Knowledge Support

Retirement Roadblocks Consumer Guide

Challenges Consumers face during Retirement

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Better yet, see us in person!

Send me a message to share your financial goals and needs, particularly regarding annuity recommendations and income strategies. I will get back to you soon to schedule a consultation focused on your retirement planning.

Golden Benefits Company

6575 West Loop South, Suite 500 Bellaire, Texas 77401

+1-713-936-2773

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Do you know the real value of owning an annuity?

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