Perry’s Retirement and Insurance Services Virginia & Cox Asset Management

03/12/2026

😰 “What if the market tanks right before I retire?”

That question keeps so many of us up at night. Here’s how a safety-first annuity can turn that worry into peace of mind:

✨ 0% FLOOR ON LOSSES
• Your principal can’t drop below zero—ever.

✨ 10-20% BONUS IN YEAR 1
• Instantly supercharge your nest egg.

✨ S&P 500-LINKED UPSIDE
• Capture real market gains without buying stocks.

✨ TAX-DEFERRED GROWTH
• Let every dollar compound faster until you withdraw.

✨ LIFETIME INCOME OPTION
• Convert your balance into checks you can’t outlive.

Who’s this for?
• Age 50+ approaching or in retirement
• Nervous about stock swings but still want growth
• Ready to set aside $20K+ for a 5–10 year horizon

Bonus perks you’ll love:
🔓 Up to 10% penalty-free withdrawals each year
🛡 Death-benefit guarantee for your loved ones
🔄 Periodic “lock-in” resets so you never miss a market high

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

03/12/2026

What if your “retirement account” could double as your emergency fund—without penalty, surprise taxes or rigid withdrawal rules? 🤔

Here’s why a Roth IRA you can tap anytime is a total gamechanger:

✨ Tax-free growth
Put in $5,000 today? Every dollar of appreciation is yours—no extra taxes if you follow the rules.
💸 100% penalty-free contributions
Need $1,000 for a car repair or vet bill? Pull out only what you put in—no IRS fees, ever.
⏳ No required minimum distributions
Let your money chill and compound for as long as you like. It’s your nest egg, not the IRS’s.

🏠 Bonus perks
• First-time homebuying or education costs? You can dip into earnings penalty-free under certain rules.
• High earner? Use a “backdoor” Roth tactic to get in on the action, even if you exceed income limits.

Bottom line: This isn’t your grandma’s IRA. It’s part high-growth play, part emergency lifeline—and 100% peace of mind. Ready to lock in flexibility AND retirement security?

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

03/12/2026

“What happens to your family if tomorrow brings a health curveball? "

People purchase final expense life insurance primarily to alleviate the financial burden of end-of-life costs, ensuring their loved ones are not left with unexpected expenses.

You’ve managed your sleep apnea with a CPAP machine—why not manage the financial fallout, too?

Lock in predictable premiums
No nasty surprises if your health shifts. Your rate stays the same for decades.

Keep your loved ones covered
Mortgage, college tuition, funeral costs—everything’s paid, tax-free, exactly when they need it.

Specialized underwriting
Carriers who “get” sleep apnea often treat you like a standard risk. Plus, if your CPAP compliance stays strong, you can re-rate in 12–24 months and save even more.

Hidden perks
• Loyalty credits that boost your benefit each claim-free year
• Accelerated death benefit rider for terminal-illness care
• Conversion option builds cash value you can borrow against

Stop waiting for “what-if” to become “what-is.” Proactive planning today means peace of mind tonight.

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/19/2026

Feeling anxious about sky-high nursing-home bills eating into your life savings? What if you could lock in guaranteed monthly payments for care … while preserving the rest for your spouse or kids?

Turn one lump sum into steady checks that first cover your facility
Follow Medicaid rules—no penalties, no lengthy “spend-down”
Tax-deferred growth & mostly tax-free income
100% commission-free setup: you get every dollar to work
Any leftover balance goes straight to your heirs—no probate drama

No medical exams. No hidden fees. No complicated life-insurance conversions. Just a simple, state-approved plan built to protect what matters most.

Which benefit would give you the biggest peace of mind?

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/14/2026

Question for you????

What if you could turn your nest egg into a paycheck you’ll never outlive?

Here’s the “set-and-forget” retirement hack most people overlook:

Rate Lock & Bonuses
Lock in today’s high rates for life—and some carriers even tack on a “new-money” bonus when you buy.

Predictable Income

No more market roller-coaster. You’ll get the same dollar amount every month or year, rain or shine.

Tax-Deferred Growth

Your money compounds faster inside the annuity, and you only pay taxes when you pull out.

Spousal Protection

Worried about leaving your partner hanging? Guarantee income for both of you—even if you pass first.

Partial Liquidity
Need cash? Most contracts let you withdraw ~10% penalty-free each year.

Plus: inflation riders, death-benefit perks for heirs, and simple setup—no more daily stock-watching or endless rebalancing.

This isn’t “set it and forget it” magic—it’s smart planning for anyone 55+ (or earlier!) who wants peace of mind over portfolio stress.

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/09/2026

NURSING HOME FEAR

Feeling anxious about sky-high nursing-home bills eating into your life savings? What if you could lock in guaranteed monthly payments for care … while preserving the rest for your spouse or kids?

Turn one lump sum into steady checks that first cover your facility
Follow Medicaid rules—no penalties, no lengthy “spend-down”
Tax-deferred growth & mostly tax-free income
100% commission-free setup: you get every dollar to work
Any leftover balance goes straight to your heirs—no probate drama

No medical exams. No hidden fees. No complicated life-insurance conversions. Just a simple, state-approved plan built to protect what matters most.

Which benefit would give you the biggest peace of mind?

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/05/2026

Fixed rate annuities are outperforming all others, what if you could turn your lump-sum savings into a guaranteed paycheck—for life?

Here’s why now is the time to lock in a high-rate fixed annuity:

• Peace of Mind: No market crashes wiping out your nest egg
• Tax-Deferred Growth: Let interest compound until you’re ready to withdraw
• Principal Protection: Your “deposit” is shielded from volatility
• Flexible Payouts: Monthly checks, lump sums or a mix of both

Real-world fixes this solves:
• Longevity anxiety (“Will I run out of money at 85?”)
• Last-minute market meltdowns before retirement
• Yearly tax surprises on interest earnings

Bonus perks you might not know about:
• 10% penalty-free withdrawals each year for emergencies
• 1035-exchange rules to move contracts tax-free
• Ladder multiple short-term annuities to ride rates higher
• Optional riders for inflation boosts or long-term-care coverage

If you’re 55+ (or just want predictable income over thrills), this could be your perfect fit.

Curious how it works for your retirement goals?

What if you could turn your lump-sum savings into a guaranteed paycheck—for life?

Here’s why now is the time to lock in a high-rate fixed annuity:

• Peace of Mind: No market crashes wiping out your nest egg
• Tax-Deferred Growth: Let interest compound until you’re ready to withdraw
• Principal Protection: Your “deposit” is shielded from volatility
• Flexible Payouts: Monthly checks, lump sums or a mix of both

Real-world fixes this solves:
• Longevity anxiety (“Will I run out of money at 85?”)
• Last-minute market meltdowns before retirement
• Yearly tax surprises on interest earnings

Bonus perks you might not know about:
• 10% penalty-free withdrawals each year for emergencies
• 1035-exchange rules to move contracts tax-free
• Ladder multiple short-term annuities to ride rates higher
• Optional riders for inflation boost or long-term-care coverage

If you’re 55+ (or just want predictable income over thrills), this could be your perfect fit.

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/04/2026

My clients purchase final expense life insurance primarily to ensure their loved ones are not left with unexpected expenses. They alleviate the financial burden of end-of-life costs on their families by purchasing this safe affordable insurance. I have plans from $35 to $135 depending on your needs. 13 Questions, no medical exam, answer usually in a few minutes, less than a 5% chance of a decline.

Curious if this fits YOUR needs? Drop a comment or DM me, CALL or message ME @ 276-692-7609 OR call 276-694-7273 and let’s talk it through!

02/04/2026

What if you never outlive your savings… even if you hit age 100?

Here’s why more folks are turning to annuities for retirement peace of mind:

Bullet-proof income you can’t outlive
Tax-deferred growth—your dollars work harder before Uncle Sam gets his cut
Built-in death benefit or spousal continuation so loved ones aren’t left empty-handed

Real problems annuities solve:
• Market meltdown the month before you retire? Guaranteed checks keep coming.
• Longevity risk: live to 95, 100 or beyond—your income never stops.
• Unpredictable care costs: tack on a long-term care rider at a fraction of standalone LTC insurance.

Why annuities beat DIY investing or term life alone:
• True lifetime payouts you can’t buy in the stock market
• Riders for inflation, market protection, nursing-home care or legacy boosts
• No more medical exams or surprise rate hikes once your contract’s issued
• Choose lump-sum or ongoing funding, immediate checks or deferred growth

Insider perks you’ll love:
• 1035 Exchange: jump to better rates tax-free
• Regular penalty-free withdrawal windows for surprise expenses
• Step-up death benefit locks in market highs for heirs
• Spousal continuation—no new exam needed

Bottom line: Annuities combine guaranteed lifetime income, market protection, tax-smart growth and family safety all in one package—often more affordably than term life plus separate LTC.

Curious if this fits YOUR retirement plan? Drop a comment or DM me, CALL ME @ 276-6927609 OR 276-694-7273 and let’s talk it through!

01/16/2026

As we start a new year, stop by Perry’s Retirement and Insurance Services. We will analyze your financial goals and make sure you are on your way to the retirement that you deserve and have worked hard for. We are not just financial retirement planners, we also assist clients with annuities, life insurance, final expense insurance, long-term care planning, and estate planning.

Perry’s is privileged to work with excellent A + rated financial and insurance partners with outstanding options available that allow us to cater to each individual client. We will look at your goals, and we will find the right income plan to ensure that you never run out of money.

I am licensed in VA and NC; we are so blessed to be able to help our community here in PC.

Come see me at 111B N Main Street next to The Coffee Break.

Open 10AM - 530 PM and by appointments too.

Call me at 276-694-7273 or 276-692-7609.

Send a message to learn more

10/02/2025

Good afternoon, We have moved to a new location. We are now located at 111 B N Main Street in Stuart beside the Coffee Break. We are getting new signage for the windows and doors, and we are currently remodeling the conference room, but the main office is open, and we are ready to help you with your financial planning and insurance needs.

Stop by and see us, email [email protected] or call 276-694-7273 or 276-692-7609.

Send a message to learn more