Investments, Annuities, & IRAs

Accumulating wealth throughout your life takes persistence and focus. It’s a journey, and reaching your destination can mean a better life and security for you and your loved ones. To set and steer a course, you may need help from a guide you can trust.

To create an investment strategy that seeks to keep you on course in a variety of market conditions, we need to understand your circumstances and what you want to accomplish. We work with you to answer a number of key questions, such as: What are your goals? How much access to your capital do you want and when? What is your appetite for risk? Our financial advisory process here at YFG provides a disciplined cycle to help guide you throughout your investing lifetime.

  1. INTRODUCTION to our process
  2. DISCOVERY and identification of your goals and risk tolerance
  3. PROPOSAL for your consideration
  4. IMPLEMENTATION of your investments
  5. 45-DAY REVIEW covering your investments and reporting
  6. PROGRESS MONITORING focused on your individual goal

We utilize a variety of investment products and strategies including, but not limited to mutual funds, annuities, and IRAs.

Annuities and Individual Retirement Accounts (IRAs) can help give you the retirement well-being you desire. The professionals at YFG have the knowledge and resources to help guide you every step of the way.


Annuities can be a big part of retirement strategy. An annuity is designed to accept and grow funds and then, upon annuitization, pay out a stream of payments to the individual.

Types of Annuities

  • Fixed Annuities
  • Deferred Annuities
  • Variable Annuities
  • Indexed Annuities
  • Income Annuities
  • Single Premium Immediate Annuity

Benefits of Annuities

  • Receive tax-deferred growth and compounding within the annuity contract
  • Guaranteed rates of return on investment*
  • Guaranteed lifetime payments if you annuitize

Fixed and variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdraws made prior to age 59½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

The investment strategies noted here may not be suitable for everyone.

*Not all annuities provide guaranteed rates of return. Please contact us for more information.


IRAs are investment products and strategies that aim to help you secure your retirement. The main advantage of an IRA is that you defer paying taxes on the earnings and growth of your savings until you actually withdraw the money.

Types of IRAs

  • Traditional IRA
  • Roth IRA
  • Spousal IRA
  • Rollover IRA

Benefits of IRAs

  • Tax-deferred strategies
  • Flexibility to invest in a range of financial products

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59½ may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. The investment strategies mentioned may not be suitable for everyone.