J.D. Mellberg FinancialReviews of jdmellberg.com

Local agent/office was both informed & courteous. Most importantly, they helped us purchase to our needs that be sold what they wanted to sell us.

I feel as if Josh is looking out for me and my wife. He had some great ideas about investing and I respect his opinion. With our economy being in the state it is, what person can rely only on his own thoughts? Josh helped us and I feel confident with our plan.

Brent Matthew walked me through a hybrid annuity contract and it it works so that I had a full understanding of what I was purchasing. I purchased two annuity contracts from companies that he recommended to me with complete confidence that I was making the right choices. for myself and my family. You cannot go wrong working with this excellent financial company.

I have looked at many annuities including variable, fixed, and fixed index annuities. I decided to go with this fixed index annuity with Security Benefit because it offered the highest guarantied income later in life and with the spousal continuation, it guaranties that if one of us should die, the income would continue for the other till their death. Who knows where the stock market will go in the next ten years, but with the roll up offered, my investment stays safe. There are some very good looking variable annuities offered, but with the large fees and a down market, your account could go to zero before you took income or if you died before taking income, nothing would be left for your survivors. I like the idea that I don't loose money in a down market, but the trade off is I don't make as much in an up market. I have gone through the down markets in the past 15 years and watched my money in the stock market go down and after 15 years, I am just now breaking even on my original investments. I am tired of worrying about the market and this is why I have made the choice on the fixed annuity.

I was very pleased to learn about annuities on senior alert. I was in need of more information on the various annuities available. They were informative and had additional information to send me on the products I was interested in. They had people to contact and make appointments with that would talk to me in detail on what my concerns and needs were and then they put me in touch with someone in my area to meet with . For me it was a good experience. The financial advisor I met with was very knowlegdable and had lots of experience to share so that I could make the best decision without pressure. So I would highly recomend them. Teresa , Corona California

I am in the process of moving, so I have not had much time to review how well my annuity is performing, but I am sure if it is or is not doing well they would keep me informed!

This company is ideal if you, yourself, want to access ed tools and ask questions -- all in attempt to make up your own mind on annuties. It takes time to go this route, but so far the info provided by SAA seems to hold water. I have compared SAA to other companies and products. I agree with SAA that fees and staying out of the stock market are very important. After reading and thinking about the annuity option, I had one major question at the end: what if inflation rears up? The returns do not adjust for inflation. However, the rules applying to pulling out of an hybrid annuity seems to offer a fair amount of relief in case of inflation. This was my conclusion, and my SAA advisor seemed to agree. I will recommend SAA to other retirees.

I did however, purchase an annuity from Security Benefit Life Insurance Co. because of the fine video that SeniorAnnuityAlert.com made. I had excellent service from Todd Warren with J. D. Mellberg Financial Co. If I had not seen this video, I would not have purchased an annuity. I