Van Winkle Wealth Management Group

Protecting Retirement Nest Eggs
Through Alternate ‘Hybrid’ Strategies

Today’s retirees and pre-retirees are navigating a treacherous retirement planning environment. Headlines are filled with ominous warnings of Recessions, Financial Crises, Fiscal Cliffs, the European Debt Crisis, Terrorist Attacks, the Flash Crash, Record Low Interest Rates, Quantitative Easing, Record National Debt, Runaway Spending … all with the potential to help derail retirement plans. In light of the uncertainty, a new breed of financial planner is emerging. Rather than focusing primarily on asset accumulation, they understand investors’ need to preserve assets and generate retirement income. “Protecting your retirement is our primary objective,” says Brian Van Winkle, president and Financial Advisor at Van Winkle Wealth Management Group. “We are in the ‘greater peace of mind’ business.”

Van Winkle, one of the top advisors in Ohio, says it’s time to rethink retirement. He recommends investors start by asking hard questions. For example, is there a plan in place to protect their assets in a significant economic downturn? How will their bonds perform if interest rates begin to rise? How do their mutual funds rank against the benchmarks?

“Before they ask the questions, investors are already noticing the traditional asset allocation model is suffering and income distribution levels are dropping. Frankly, they might even lose sleep at night,” says Van Winkle. “That’s where we come in. We have very attractive alternatives to traditional plans that rely on securities such as stocks, bonds and mutual funds.”

‘Hybrid’ products, such as fixed index annuities, protect principal from loss while offering the opportunity to earn interest based on potential market index gains. Yet they do not directly participate in the market.

They are highly regarded by many experts. After performing an exploratory study of actual returns on fixed index annuities, David F. Babbel, a Professor of Insurance and Finance at the prestigious Wharton School of Business, found those annuities were competitive with portfolios of stocks and bonds, were designed to limit the downside returns associated with declining markets and achieved respectable returns in more robust equity markets.

Yet fixed income annuities have been underutilized by advisors. “Wall Street has convinced Main Street that the only way to make money is to put your hard-earned nest egg in the stock market,” says Van Winkle, who began his career in investment planning with Bank One (now JPMorgan Chase). “We like the equity markets and, as a Registered Investment Advisor, our firm uses a variety of portfolio managers when it is in a client’s best interest. But we are committed to making sure our clients understand they do have an alternative that is designed for security of principal with returns linked to upside market performance.”

For more information, or to obtain the report “Rethinking What’s Ahead in Retirement,” contact 
Van Winkle Wealth Management Group at Indian Valley Plaza.


263 Deo Drive | Newark, OH  43055

Securities Offered Through Syndicated Capital, Inc. Member FINRA/SIPC Brian Van Winkle is a Financial Advisor and holds a Life/Health Annuities license in the state of Ohio. A fixed index annuity is a contract between the owner and the insurance company. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.