CG Financial Group, LLC

10/14/2026

Social Security news! Social Security retirement benefits will increase by 3.6% next year. That is the “cost-of-living adjustment“.

10/14/2026

Look at these guaranteed annuity rates!!! 6.10% for 5 years!!!

Guaranteed Annuity Rates that are among the highest paying in the country. Combat inflation and low interest rates.

10/09/2026

Yesterday a client asks “what is a basis point?” Great question. For those not in finance, that term may be like speaking French. A basis point is a 100th of a percent. For instance, if the interest rate on a bond is say 5%, then what does it mean when the rate increases by “25 basis points“? That means the rate went up to 5.25%.

100 basis points equals 1%. Now you know. ;)

10/07/2026

Our friend Tom Hegna telling a great story. Tom is a best selling author and has spoken to literally millions of consumers and financial advisors over the years about retirement and finance. Check out the video. Although this is designed for financial advisors, even if you are not one, you will like the story.

➡️https://tomhegna.com/on-demand➡️https://tomhegna.com/playbook-pr...

09/23/2026

If you have ever witnessed a friend or a family member that can no longer take care of themselves and have the need to go to a nursing home, you know that is one of the most emotionally and financially devastating scenarios for the family. Some would say, almost as bad as death.

Being prepared with long-term care insurance can completely remove the financial stress, as well as alleviate some of the emotional stress that comes along with this process.

Nobody knows long-term care like we do. There are various complex strategies that can be employed, and also a lot of products that did not exist 20 years ago that are fabulous today. Let us know if we can help, while you are insurable. 

PS. Folks needing care generally want to be taken care of in their own home, not a “nursing home”. Hence, In-home care is an important component that an insurance policy should cover.

09/20/2026

A client asked me last week if I owned any annuities. Here is my answer. Yes.

Because I’m still relatively young, a huge majority of my money is in the stock market. However, two years ago, when I was age 46, I observed that annuity payouts were higher than they had ever been on “guaranteed lifetime withdrawal benefits“.

I ran a report on the top paying carriers for my and my wife’s scenario. I was age 46 at the time. As it turned out, the top paying annuity company for my scenario would take my $200,000 and turn it into a $44,000 per year income stream, once i turn age 65. For both, me and my wife’s life. If we die, the balance goes to the beneficiaries. 

After analyzing the “opportunity cost“ of not having that money in the market, I did it. The “internal rate of return” on cash flow is very high when assuming life expectancy of a couple. This will very easily guarantee me and my wife a six figure retirement.  And we will probably buy a couple more slivers of this before we are done. ✅ 

PS, if somebody makes a blanket statement that “annuities are bad”, they either have not dug into the analysis to be educated enough, or they are incentivized to have you NOT buy an annuity. 

09/16/2026

👀. 👍

09/15/2026

A snippet from our "Maximizing Social Security" Webinar regarding timing of filing for Social Security.

Remember to "Like" and "Share" so others can learn!!! Social Security Retirement Group

09/15/2026

Annuities designed for income. These have never been stronger than they are today.

Example: John and Jane are 60 years of age. They have a $1 million portfolio that is invested fairly aggressively. They would like diversify and allocate 20% or so to something that will give them guaranteed income for when they retire in five years, regardless of what happens to the stock market. 

By putting $200,000 into an annuity with a “guaranteed lifetime withdrawal benefit“ they are guaranteed almost $22,000 per year for both of their lives once they start income in five years (at age 65). If they pass away, the balance goes to the beneficiaries.

Let us know if you have questions about your particular scenario. 

09/09/2026

Retirement Savers!!! Sick of the volatility? Here is an option.

6% guaranteed interest for 5 years!!! Then take your money and walk.

Or

5.65% for 3 Years!!! Again, cash out at the end or exchange it for another at that time.

You can see a full listing of our top rates by clicking the below. Let us know if we can help!

Guaranteed Annuity Rates that are among the highest paying in the country. Combat inflation and low interest rates.