•  Fees and Expenses

Is there a surrender charge?
Are there other expenses?

•  Fund Choices

How many funds can you choose from?
Are you allowed to switch funds without a fee?
Are the fund choices attractive?
Who are the fund managers?
What are their track records?

•  How Do You Get Information and Manage Your Account?

Over the Net? Is information available all the time?
Is it easy to use the customer service section?

•  Who Stands Behind Payment of the Annuity?

How long have they been in business?
Are they a stable company you can expect to be around long into the future? What are the company's financial strength ratings from agencies such as Moody's, Standard & Poor's, and AM Best? (Ratings are based on the claims-paying ability of the insurance company and do not apply to the investment performance or safety of the investment options within the annuity.)

Feel free to contact us for a no obligation, no cost analysis of your investment portfolio. Our clients benefit from our counsel and process of customized service. We are not just selling a single investment or idea. DeSpenza Capital Management, LLC is proposing a serious investment process by which you can manage you money for a lifetime. Please contact us for a free Complimentary Consultation to discuss diversification opportunities for income, savings, and legacy. This intro page gives you a brief synopsis of each investment category of service we offer.

  Complimentary Consultation

  877-337-7369

email: adespenza@despenza.com

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