Will rates go up or down? It's impossible to know.

But it is possible to lock in an optimum interest strategy and ongoing flexibility with the concept of "annuity laddering." Properly structured, an "annuity ladder" can blend into a competitive average yield.

Laddering spreads your money over your choice of rates and durations so you're in control:

• If rates go up, you can direct your assets into shorter-term durations.
• If rates go down, your long-term interest rate guarantees are secure.

That's why laddering is such a flexible financial tool. It enhances your ability to review short-term rates when they mature and maintain long-term guarantees as well.

For a free initial consultation, call today (800) 680-5596.