Testimonials
Nearing retirement, my wife and I began going to seminars and workshops. The information was good but much of it was unclear or confusing. Also I found, as a federal employee, the speakers knew little or nothing about federal retirement. Enter Milt and Keith. Their information was explicit and, if the terms or figures were particularly complicated, they would take the time to explain, and reexplain, until we understood. Also they specialize in working with federal employees and knew the ropes. Most important of all, we knew they could be trusted to look out for our best interests. We feel very comfortable and set for retirement.
~ B.P.
I just wanted to take a minute to say how pleased I am with Safe Retirement Strategies®. Milt and Keith are two of the most honorable and ethical men I have met in a long time. Having been burned in two previous market crashes I was looking for a ‘safe’ alternative. When I first looked into annuities I was very skeptical along the lines of ‘this is too good to be true’. I grilled Keith and Milt about all the particulars mercilessly. I checked with other investment advisers. Everything checks out. I still have some investments in stocks and bonds, but having the annuity gives me much more security.
~ My name is Chris Kelley, I am a real person. My number is (972) 754-4826, if you want to confirm that.
Bill and I are 81 and 83 years old. One of our goals is to pass more of our assets to our two boys and protect what we have from stock market losses. Keith showed us how we could receive a 20% bonus on our money and still get decent annual growth. And the 20% bonus and any interest earned goes to our boys when we are gone. And Keith showed us how we can add to this product anytime we want for the next three years and receive another 20% bonus on all additional deposits. At this time we could not put a portion our assets in a better and safer place in this fixed indexed annuity that Keith recommended. Thank you Keith for sharing this product with us and thanks for being a friend to Bill and I. Keith’s Senior Partner, Milton Cram, did an amazing thing for Bill and I. Milt took a look at our life insurance policy on both our lives. We have been paying $7,600 a year on this policy. Milt called the insurance company and found out that we are all paid up and will not have to pay the $7,600 premium anymore and the policy will remain in effect until we are 96 years old. Bill and I cannot thank Milt enough for his wisdom and knowledge in helping us save that money each year.
~ B.W.
I am a very healthy person, and I play tennis and exercise almost every day. I was searching for nursing home insurance where the premiums were a reasonable charge. Keith Elgin met with me and showed me how to acquire a life insurance policy where a portion of the face value of the life insurance policy can be used for nursing care if you need it. Keith explained to me in detail how it works and was very thorough and detailed in his explanation. Keith kept me informed throughout the entire process always making contact with me at each stage of the process. At one point, I asked Keith if I could increase my premium to get more face value of insurance and he was quick to make sure that the extra requirements would not slow the process down. Keith not only solved my nursing home care problem, he also created tax-free life insurance for my daughter if I happen to pass. I appreciate all that Keith did and am considering the possibility of looking at one of his fixed index annuity’s soon.
~ J.I.
Dear Keith: This letter is to thank you for recommending the fixed indexed annuity with the doubler feature. During my many years as a registered representative, I never sold a fixed indexed annuity. We focused on growth and income products not giving much attention for retirement needs. I feel fortunate to have linked up with you and realizing that my outlook to future years had some changes. For example being diagnosed with Parkinson’s plus having a history of heart disease. This changed some of my thinking about my financial future. I had made no provisions for possible future long term care and more conservative investing. Your presentation of the fixed indexed annuity with the doubler for long term care fit my needs and has provided some comfort and peace for the future. I appreciated your patience while I attempted to bring my thinking around to a more conservative and safer approach to my future years. You answered my many questions over and over. I also feel I have gained a friend and that you reflected a genuine interest in my welfare.
~ P.L.