Welcome to Cardinal Financial Consultants…

Growing Wealth for Retirement Begins with Risk Management

At Cardinal Financial Consultants we’ve put together a multi-disciplinary group of professionals dedicated to growing and protecting your money. From asset protection, to college planning, retirement and estate planning, we offer a wide variety of services.

From 2000-02 the S&P declined 47%; the NASDAQ declined 78%.
From 2007-09 the S&P declined 56%: a 60/40 blend of stocks and bonds declined 33%.

The Fallout: A Lost Decade and More…

For a buy and hold investor it took almost 13 years- from March 2000-January 2013- just to recover what they had lost in the S&P downturns. They made nothing and would have seriously depleted their nest egg had they taken money out for retirement or emergencies.

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Can You Afford to Proceed with Business as Usual?

Since bottoming out in March 2009, the S&P has completed an 8-year bull market run that has more than tripled its value. Yet over the same time, the actual economy has recorded the weakest recovery since WW II. Does that make sense to you?

2 Major Sources Boosted It’s Climb:

The Fed’s quantitative easing (QE)
Corporate stock buybacks

But the fed has now ended QE and begun a series of rate hikes. Also, insider selling from corporate executives has risen to record levels in recent months.

Facing such headwinds, are we about to experience “déjà vu all over again”? Can you afford to lose another 50-60% of your nest egg, or perhaps even more?

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Growing Wealth Without Investment Risk

We offer two alternative ways to grow wealth without fear of losing money due to stock market downturns.

Fixed Indexed Annuities (FIAs)

FIAs are fixed annuities (non-variable) that have the following characteristics:

1. Upside growth potential pegged typically to the S&P 500 stock index*.
2. No risk of loss. Your money can’t be lost due to downturns in the stock market.
3. Gains are locked in annually.
4. Some FIAs come with a guaranteed income for life option that assures you a specific retirement income no matter what happens to the stock market.

To learn more about FIAs, click here.

*Gains in most FIAs have annual caps. Caps can run anywhere from 3%-7%+ annually.

Indexed Universal Life (IUL) Insurance

IUL are fixed cash value life insurance products (non-variable) that have the following characteristics:

1. Upside growth potential pegged typically to the S&P 500 stock index*.
2. No risk of loss. Your money can’t be lost due to downturns in the stock market.
3. Gains are locked in annually.
4. Free long-term care benefit**.
5. Money is allowed to grow tax-free and can be removed tax-free in retirement.

To learn more about IUL, click here.

*Gains in most IULs have annual caps. Caps can run anywhere from 8%-14% annually.

**The LTC benefit is not a substitute for a traditional LTC policy. The LTC benefit from an IUL comes in the form of an advancement of the death benefit should the insured qualify due to the inability to perform certain daily functions.

Our Invitation To You

The fact that you’ve taken time to visit our website tells us you’re concerned about the issues we’ve outlined.

A good place to start is the Risk Analysis Questionnaire.

We invite you to complete a complimentary risk analysis. This analysis generates your own unique Risk Score which can be used to help determine the best wealth building tools for your personal situation.

Thank you for your time and consideration…..

Thomas ‘Tom’ W. Repaskey, JD

Cardinal Financial Consultants

Find Your Own Investment Risk Score by clicking on the image