Baxter Retirement & Insurance Services

03/27/2026

It's not your job to know what's next. It IS your job to plan for what might be next!
PLAN is the optimum word.
Don't freak out about the markets right now, we can't control Global events, political agenda's... and the unpredictable.
But we can have solid strategies in place that will ensure growth and security regardless of the economic conditions.

Want to know more?

03/18/2026

Sing it… sign it!
❤️

03/02/2026

Need to set up some secure protected growth?!?!

03/02/2026

SOCIAL SECURITY!
Not feeling so secure?

The future of government entitlement programs is a perennial source of unease for anyone who benefits — or hopes to in the future. Financial advisors engaged in retirement income planning must address one entitlement program that almost universally affects their clients: Social Security.

The 2024 Annual Retirement Study from Allianz Life revealed that only 22% of Americans with a financial professional have talked to them about their worries concerning Social Security. Yet, most Gen Xers (73%) and Millennials (63%) expressed concern about their future Social Security benefits.
According to the U.S. Government Accountability Office, the trust fund that pays Social Security old-age benefits has since 2010.

Official projections are that the program’s reserve funds will be exhausted in less than 10 years if Congress and the president take no action. If the situation doesn’t change, retirees in the future could receive only about 79% of their scheduled benefits, or a 21% reduction in what they anticipated.

Let's discuss this paramount issue ASAP and help you 'Fill the Knowledge Gap' and get on course with a solid strategy!

02/27/2026

At the beginning of the Month, I shared with you a the basics of what an annuity is, now...

"Who Should Consider Buying an Annuity"
Individuals nearing retirement age: Those who are close to retirement and want a guaranteed income stream can benefit from an annuity.

Those with limited savings: If you have limited savings and prefer high-growth investments, an annuity may not be the best option.

Individuals with serious health issues: If you have health concerns that could affect your retirement, an annuity might not be the right choice.

Those who want to reduce sequence-of-returns risk: Annuities can stabilize withdrawals and reduce the risk of selling investments during downturns.

02/02/2026

Thought for the Month.
Let's not assume everyone knows what a Safe Retirement Investment is.

Top Safe Retirement Asset Classes
Certificates of Deposit (CDs): FDIC-insured up to \(\$250,000\), offering guaranteed, fixed-interest returns without market risk.U.S. Treasury Securities: Treasuries and TIPS (bills, notes, bonds) are backed by the U.S. government, providing high security for principal.
Money Market Funds/Accounts: Money market funds provide high liquidity and stability, typically maintaining a \(\$1\) per share value.
Fixed Annuities: Fixed annuities offer a guaranteed income stream, reducing the risk of outliving savings.
High-Yield Savings Accounts: High-yield savings accounts offer easy access to cash while earning interest.

01/29/2026

Why are Risk Free Assets so valuable to your retirement plan?

Stock market crash in 2026? Fed Chair Jerome Powell has an urgent warning for investors
Wall Street anticipates double-digit gains in the S&P 500 in the remaining months of 2026, but a stock market drawdown (or even a crash) is well within the realm of possibility.

https://www.federalreserve.gov/mediacenter/files/FOMCpresconf20251210.pdf

01/26/2026

Baxter Retirement & Insurance Services is now a member of the Chamber of Commerce here in San Antonio.
Very happy to be a member and further serve my community!

Baxter Retirement & Insurance Services located at 6402 Lochglen, San Antonio, TX 78240 - reviews, ratings, hours, phone number, directions, and more.

01/20/2026

TWO GREAT WAYS TO LOCK IN HIGH PERFORMANCE FOR YOUR RETIREMENT!

Guaranty Growth Builder:
20% Premium Bonus on GGB10 with a 6% Cap Rate on the S&P500
Up to 12% total bonus on the 5- and 7-year options
A truly one-of-a-kind ADL benefit you won’t find anywhere else

Guaranty Growth Plus:
9.5% Cap Rate on the S&P500
55% Participation Rate on the S&P500
Free income rider and ADL Doubler!

CONTACT US FOR FREE CONSULTATION and PRODUCT DETAILS