Full Service Financial Advisor: 
Retirement Planning
401(k) Roll-overs
Income Planning



IntelliPlan Inc
2546 Brantley Park Blvd
Maryville, TN 37804


865 441-1794


865 332-3949

Retirement Asset Protection
Our financial professionals are proud to deliver a variety of products and services tailored to meet your financial objectives and risk tolerance.
Guaranteed Annuities offer several important features of a sound retirement savings plan; relative security, predictability, with the ability of tax deferral. Your investment earns competitive tax-deferred interest guaranteed by the issuing insurance company. By annuitizing, you may enjoy a lifetime income.


Click Here to Watch the "ABC's of Annuities"

Conservative investors who are more interested in protecting the principal of their investment and receiving a competitive fixed rate of return may be more comfortable with the safety offered by a traditional fixed-dollar annuity. With a deferred fixed annuity, you lock in an interest rate for an initial period, normally one to three years. When the period ends, the insurance company designates a new rate of return for the succeeding period. Most deferred fixed annuities have a minimum guaranteed rate that will be paid regardless of economic conditions.

Total Return
If you are seeking reduced risk but still want the potential for high total return on your investment, you may want to consider a Total Return fixed annuity. This type of annuity products obtain a total return from a flexible combination of current income and capital appreciation, along with the preservation of capital over the long-term using a multi-asset approach. Total Return annuities maintain a diversified portfolio that includes stocks, bonds and money market instruments. This approach can reduce the risk of loss due to the decline of one portion of the portfolio.

Equity Indexed
Equity Indexed annuities, or EIA's offer a minimum guaranteed interest rate combined with an interest rate linked to a market index. EIA's also have the potential to earn returns better than traditional fixed annuities when the stock market is rising, however EIA's are not stock market investments. The index-linked gain depends on the particular combination of indexing features that an EIA uses. Participation rates are set and limited by the insurance company. So, for example, an 80% participation rate limit means that only 80% of the gain experienced by the index for that year would be credited to the contract holder. If there is no indexed-link interest for that year, EIA's offer a minimum guaranteed interest rate. Like most annuity contracts, EIA's have certain rules, restrictions and expenses, and some insurance companies may change rates and fees annually. To fully understand an EIA, make sure you not only understand each feature, but also how the features work together since these features can dramatically impact the return on your investment.

Most Annuity contracts are long-term investments (5 - 15 years) and are subject to certain charges and penalties. You are advised to consult your Advisor for specific charges as they pertain to the contract that you are considering.  Here are the most common charges; there may be a 10% tax penalty for withdrawals before age 59 1/2. Penalties may apply for withdrawals during the surrender period. The risk associated with a guaranteed annuity is that you will earn no more than the minimum guaranteed interest. Guarantees are based on the claims paying ability of the insurance company.

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck