Southern Keystone Services

Our firm tracks the highest rates available
from most top-rated banks and dozens of top-rated financial institutions. All of our savings plans, and investments are fully insured against the loss of your principal.

With the Federal Reserve increasing rates greatly, we have the highest rates that have been available
in the last ten years. And naturally, that also means the price of securities (stocks, IPOs, mutual funds)
have dropped at a disastrous rate. Many people have just stopped looking at their 401Ks. And people
in their sixties who are about to retire and are still heavily invested in the markets are going to suffer
from a condition called the "sequence of returns risk." This risk impacts people who are about to retire
while investing in securities plans that are dropping at this point in their lives. Due to this risk these
people will probably never recover their savings over the rest of their lives. As shown in the attached
accurate photo image. If your investment drops fifty percent, it will have to grow at a 100% growth
rate to recover your original principal.

That's why we only offer fully insured CDs, private investments, and A-rated financial institution plans.

Feel free to reply or call me at any time to check on the latest rates across the country.

Regards,

John Schultz

We are offering whole life. ( final expense insurance) for everyone who is concerned about the rising cost of funerals. We can offer you the least expensive coverage for all of your final costs. Ask us for a quote, we can provide the best rates for your made to order celebration of your life. All of our insurnce rates are the best available.

When it comes to Our Sports Hero's and Waterfalls, we inflate all of our superlative descriptions. But there is one waterfall that deservers all of our hyped descriptions. The HIGHEST (based on its surrounding gravitational fields) , The largest clouds of MIST, The most extravagant colors, The longest lasting (in billions of years) .
Here are the stats on the "Waterfall Nebula"

Hight= 63 Trillion Miles

Age= 6 Million Years

Colors Change with Age

Size compared to our planet Earth. The Earth would be smaller than a virus in this photograph of this Nebula.

As the Great Man said "Its all Relative my friend."

Here in the heat of August in a time that is far from normal. Think of a cool October day at a state park that is situated on top of one thousand-foot cliffs. Caesar's Head State Park. Mist and carpets of Fall color below. In the depths of the park's forests is "Raven Cliff's Falls."

I receive many varied questions and concerns about individual's savings plans. Most people are concerned about their saving's safety in today's financial new normal. Their are investments and even bank time deposits like CDs that you should be concerned about because their interest rates a just too low to allow you to break even with our present cost of living. I can work with you to discuss the primary savings plans that are safe, insured and paying the highest FIXED INTEREST RATES today.

Most of you are faced with the extra demands that this new reality is forcing on all of us. Several people have told me that they feel like their lives have gone into a kind of holding pattern. And that obviously applies to many family's savings plans that were meant to cover their retirements. These last five months have devastated interest rates on many different investments and particularly fixed plans like bank time deposits such as certificates of deposit. The actual risk inherent in these usually safe deposits is not the concern that some people focus on, such as the failure of their bank. The risk is that the fixed interest rates are so low that the depositor is loosing a substantial part of their deposit because the cost of living is still far higher than the growth of the CD.

There are answers to these low returns and low interest rates. And of course you want much higher interest rates without loosing the advantage of fully insured deposits or savings plans. We can help you with that by providing you with the razor sharp information on the best fully insured plans that pay the highest rates available for any given term in years. If you know where look for the highest fixed interest rate in an insured savings plan or fixed yield investment you can overcome todays dropping interest rates and total lack of ROI. Unfortunately, most people have not been able to find that bank or that savings plan that would allow them to get those great returns. The key people in our firm have been able to locate excellent national financial institutions that are paying exceptionally high interest rates in insured plans that have relatively short terms:

For example we have identified the following plans:

* Fully insured plan with 2 year term, paying a fixed 2.4% APY
with a free RMD option included

*Fully insured 5 year plan that's paying 6.86% APY. This plan makes
use of Goldman Sachs' top preforming industry standard index

Send me a message, I will be able to give you all of the details on these great plans. You will be able to start accumulating top returns within days.

John Schultz

Is there a best time to convert the balance in a qualified money (Pretax IRA, 401K, SEP, etc.) into a ROTH account?
That of course depends on what kind of account you are considering in this conversion. But most people with qualified accounts that are based on securities, CDs and some bonds would be well served to consider the conversion to a ROTH now that the markets are still at all time lows. The taxes on these greatly reduced balances of this COVID-19 period will be far lower than at any time after even a limited financial recovery. There are many other advantages of a ROTH account:

1. It could reduce how much you pay in taxes.
Particularly, if your planning to retire in five years or more
from today. Those tax savings will be very beneficial in your
retirement years.

2. You won't have to worry about paying required minimum
distributions. Your ROTH account will prevent the pain of
having to withdraw your RMDs at very inconvenient times
throughout your retirement years.

Building up the tax-free balance in your ROTH account over the years can dampen the sting of paying the taxes on your qualified funds.

We are all dealing with the new normal in our day to day lives. Each of us need the support of our loved ones to carry us through these challenges. One of challenging new facts of life is that the Federal Reserve is lowering interest rates back to near zero. It remains to be seen just how low the various financial institutes will set their time deposit (CDs) , Bond , Municipal Bonds and Treasuries. I attended two webinars last week by Professor Jeremy Siegel of the Wharton School. He is an award-winning researcher, and acclaimed author. He discusses how to reposition retirement portfolios following the COVID-19 crisis. He confirmed what I had concluded about the future of all classes of investments that are dependent on interest rates in general. All of those investments will be impacted by the lowering of all interest rates and if you are looking for higher certificates of deposit ( CD ) rates or high yield bonds, you need to look at other classes of investments.

Professor Emeritus Siegel stated that fixed indexed investments that are based on volatility controlled indexes such as Morning Star's Wide Moat Focus Target Volatility 20%, JP Morgan's Mozaic II and the NYSE® Zebra Edge Index will perform well in some of the upcoming years. Unfortunately investing in these volatility controlled indexes still involves risks in todays extremely volatile markets. Professor Siegel suggested making use of fixed index annuities to access the high yield performance of these excellent indexes WITHOUT THE ASSOCIATED MARKET RISK of THE INDEXES !

Fixed Index Annuities use the performance of these great industry standard indexes without the threat of having any negative interest rates in any year. He pointed out that you can achieve this ongoing positive results year after year because fixed index annuities do not invest your funds directly in any index or security. And you always have the choice of selecting a no-fee fixed index annuity.

This class of fixed annuity can provide you with a lifetime income stream and/or a great capital appreciation plan. And if you choose to use a ROTH based annuity, it will allow you to have a TAX-FREE retirement. There are dozens of great life insurance companies whose stability allows you to weather economic storms like today's. These are the safe carriers of these highly rated fixed index annuities. The Wharton School of Business is one of the top business schools in the world and they have completed a two year study to determine "What is the Best Investment for the average investor?" Their team of the highest rated financial specialist determined that the fixed index annuity provides the best over all returns on your investment.

There are many phone calls coming in from a number of concerned people who are caught in the current market "Correction." We have been helping some of these callers with their concerns about the future of their savings plans. We did not place these callers into these investments that they are in today but we can help them to put their capital appreciation and income goals back on track. Our advisors have access to hundreds of fully insured plans from dozens of the top financial institutions.

We can provide you with the information on the safest and highest growth vehicles available today. Many of you have told us that after years of experience in investing in securities you know that you need to consider income allocation for a part of your long term financial goals. Many of you are conservative investors who now know that there are safety and yield advantages offered by insured fixed index annuities. You have also determined that you need far more information on the best criteria to use when you select your indexed annuity. Based on your need, we now offer our " Guide to the Safest High Interest Rate Annuities." Just complete our request for the guide booklet by completing the request form at:. https://southernkeystonegold.com/contact/

A large number of key regulations that impact YOUR RETIREMENT HAVE CHANGED !
On December 20, 2019, the SECURE Act was signed into law by the President
Many of our clients and friends have individual retirement accounts, investments that are from 401K plans and other pretax "Qualified Money Plans." Everyone who is relying on money from their individual retirement plans knows that they have been required to withdrawal their "Required Minimum Distribution" from their pretax retirement accounts when they reach 70 1/2 . That requirement and others have now all changed!
This act has enacted the most changes that the retirement income industry has seen in years:

**If you plan to leave your IRA or 401k or SEP plan qualified
money to your grand children, this new law could block your
attempt to leave legacy to the GRAND KIDS !

** Most ROTH accounts will now be far more attractive and
flexible

** Also stretch IRA's usefulness will be greatly reduced as an
option.

** Including: the age for required minimum distributions
(RMDs)

** The required age for the start of RMDs is going up to 72.

Contact us for a detailed description of these critical changes.
Our advisors are excellent educators, they can discuss the reasons that certain. ROTH accounts and high quality annuities can now provide you with outstanding advantages and yields under this new law. We can help you to select the best of these high yield annuities, call us for our webinar and office hours. We will be offering a easy to understand webinar on these excellent new solutions for the average investor.

Southern Keystone Services updated their website address.

Southern Keystone Services
11175 Cicero Drive, Suite 100
Alpharetta, GA 30022

Southern Keystone Services provide financial educational services and retirement planning services. We will help you
to select:
* Tax-Free Retirement Plans, * High yield retirement annuities, * Tax-Free high interest Life Insurance and * Lifetime
income plans. Our retirement planning advisors will help you to reach your retirement goals and always lookout for
your best interests FIRST.

John A. Schultz
Call (770) 783-5231 (770) 783-5231
Call (866) 552-3228 (866) 552-3228

[email protected]

Many friends on Facebook tell us that they are concerned about running out of money in retirement. And some of these people, who are planning their retirement, tell us that their concept of a good retirement income stream would work as a paycheck for life. Unfortunately there are many financial events that can interfere with the consistent income generated by many different investments and savings vehicles. The question of WHEN these changes occur is critical and it makes a major difference in the savings plan's ability to generate a lifetime of income. A savings plan's ability to provide income is dependent on whether the higher interest rates occur in the beginning , middle or final years of the person's retirement plan.

One of the more common disruptions of the best laid income plans are those caused by "Sequence Risk." Well what is "Sequence Risk?" Here's the textbook definition of this risk to your retirement income. It is the risk of receiving lower or negative returns early in a period when withdrawals are made from the underlying investment. The order or sequence of investment returns is a primary concern for those individuals who are retired living off the income and the returns from their investments.

The sequence of investment returns is critical to determining how long your investments will continue to provide you with that income stream that you depend on in later retirement.

When downturns occur is important when you want to avoid an income shortfall in later retirement. Our firm can help with our workshop class on controlling "Sequence Risk" in retirement. Call us for course details and schedules..

This Fall is the prime time to open a ROTH account. It will allow you to protect your vital savings funds from future taxes. And this great lifetime savings advantage applies to you as well as beneficiaries. Set down with us, we will work with you to help you to understand how our top rated fixed index annuities deposited in your ROTH account will give you the highest Safe Tax-Free interest rates available today. , ,

The Great Value in asking "What If Questions."

A friend of mine and I were talking about what he was planning to do about his finances next year. The discussion then extended into the question of what he was going to do over the next twenty years and ten of those years would include the first ten years of his retirement. He said "John I expect taxes to double over those twenty years, how will my wife and I handle that burden? And my son will need help covering their first home, how do I know how that will impact our retirement plans? What if the cost of living increases drastically, how will we make it through that burden? "

Those are the kind of "what if questions" that every family is struggling with today. And finding the answers that are accurate enough to give you confidence in any financial plan of action is a difficult challenge. As Mahatma Gandhi stated many times during his lifetime, “The future depends on what you do today.”

The entire nature of my firm's field has changed drastically over the past twenty years and fortunately the tools that are available for retirement planning are very effective at allowing us to analyze these complex inter related "What If questions." The planning software that we use combined with our planning skills allows us to work with you to answer those complex retirement questions with accurate suggestions that will let you see what actions will be necessary to address those future obstacles.

Call us for an appointment to discuss your objectives and we will help you to see how you will be able to field those pesky "What if Scenarios" that could come back to haunt you in the future. We will be able to show you easy to understand customized graphics that will show you how your future concerns can be solved with right actions today.

John Schultz , ,

Growing older, we all risk times when we can not carryout those daily activities that we take for granted. There are many ways to help us meet those challenging times and the associated financial demands. With good planning you can provide home assisted living services or the support of home nursing care. And there are outstanding assisted living institutions all over the country that will be available thanks to well planned insurance coverage.

Southern Keystone Services provides you with many different carrier's plans that you can choose from and tailor to your needs.

Our primary objective is to provide quality care for you and the preservation of your assets. Medicare, Medicare Supplemental and all major medical insurance will not pay for long term care These objectives can be met with the following Long Term Care insurance capabilities:

1. Benefits are based on the expense-incurred method of payment (Carriers will pay for the expense you incur or the dollar limit of the policy)

2. Automatic inflation protection, Assisted Living Campus and/or Nursing home rates continue to rise. This rider adjusts your benefits to match that ever-present increase.

3. Premium refund option is available ( This benefit pays your estate any premiums you paid less any of your benefits paid by your long term care insurance) This capability addresses the "Use it or loose it" concern that many LTC policies create for the family.

4. You always have the option with this coverage to select the type of support for your day to day activities that you need. Many people use this type of insurance if they simply need assisted living support and facilities. It also covers you if you need home nursing services or it can offer full coverage if you have to be admitted into a nursing home.

We offer coverage with many other advantages and we will work with you to select the best options for you and your family. , ,

Looking forward to this outstanding creative event that takes place in Marietta, GA in late Summer each year. This is "The Sidewalk Chalk Art Show." Each year dozens of very talented artist compete to create the best large sidewalk works of art that are emblazoned on the surface of the streets of Marietta. These fine works appear in three dimension through the amazing application of modern artistic prospective / projection math and tremendous artistic skill.

We are organizing several retirement savings strategy workshops for the second half of 2019.In these workshops I am going to address the financial questions that many past clients and recent callers have told me they are very concerned about. These are going to be educational events with emphasis on retirement income solutions, tax strategies that work and how not to outliving your money.

Many of the people who have called over the last month have said they feel trapped between proposed retirement plans that are earning so little that they will never be able to reach their retirement savings / retirement income goals and on the other side, playing the high risk stock market game.

We will be able to show you how to make use of dozens of very safe approaches to accumulating the nest-egg that will last throughout your retirement years. I will point out how you can accomplish this income goal while minimizing your tax burden.

Contact our receptionist, Phoebe , She will help you to register for one of our "Retirement Savings
Strategies" Workshops. (770) 783-5231 , ,

This is the time of the year for Medicare Open Enrollment. If you are within six months of turning sixty five . You can signup for your Medicare Supplemental or Medicare Advantage Plans. Our firm is offering excellent affordable plans from all top rated carriers. There are many new types of coverage included in this years policies with no additional premium charges added !

And if you are already over sixty five and have decided that your not happy with your present Medicare Advantage or Medicare Supplemental coverage, our advisors can help you to investigate and select a better plan.
https://www.medicare.gov/Pubs/pdf/10116-Your-Medicare-Benefits.pdf

www.medicare.gov

For the past ten years dozens of AOC members have had a blast "giving back to nature" by pitching with this festive annual statewide volunteer cleanup of Georgia's streams, rivers, lakes, beaches, and wetlands. Each fall there are dozens of Rivers Alive focus groups such as this one, with thousands of participants of all ages and levels of experience.
Our past President Paula Schubert spearheaded our Club's first Rivers Alive participation beginning in 2008 at Olde Rope Mill Park and continuing each year since. We're proud to have built on that AOC tradition by also offering this annual Etowah-Chestatee volunteer opportunity each year in October since 2013.

"The Atlanta Outdoor Club" has a tremendous schedule of challenging hike and backpacking trips Worldwide.

"The Linville Gorge Wilderness, in the mountains of Western North Carolina, is part of the Pisgah National Forest. The gorge is formed by the Jonas Ridge on the east and Linville Mountain on the west and is bisected by the Linville River which drops 2,000 feet into the valleys below. The terrain is steep and rugged with numerous rock formations. It is covered by dense hardwood/pine forest and a wide variety of smaller trees and other plants. Recreation opportunities include hiking backpacking and rock climbing."
This was a great adventure. Full of spectacular views.
The trip leader used a combination of trails. So some of the trails were rugged and not well maintained, other trails were well groomed. This was an
outstanding packing trip with tremendous scenery and a great group of hikers.
https://www.atlantaoutdoorclub.com/

I am a dedicated member of the "Atlanta Outdoor Club." The AOC is a tremendous club with a broad spectrum of difficulty that will match anybody's level of outdoor experience, endurance or budget. We have hikes to unmatched destinations Worldwide.
Our membership is now over three thousand members of all ages. Our Fall trip to Machu Picchu Peru will be great as usual. And for those who like to focus on outdoor events in Atlanta, We will have hundreds of local hikes, kayaking and bike events this Fall ! Photo below is from the club's trip to Yosemite and the high Sierras this year.
https://www.atlantaoutdoorclub.com

Most of us have great concepts of what our ideal retirement will be. It maybe RVing all over North America, enjoying years of traveling or visiting your kids and grandkids whenever you want. Or sailing out into the Caribbean, relishing years of tropical living. Then reality sets in, you realize you have to have a realistic plan to accumulate the funds to reach those dream situations. Our firm offers solid stable retirement plans that will allow you to reach those outstanding goals.
There are five of the highest rated financial institutions in the US who are now offering retirement savings plans that are designed for true capital appreciation.
Those plans are fully insured against any loss of your growing balance in your account. The annual earnings generated by these top plans have historic averages that range from 8.2%APY to 14.3%APY , dependent on which of these financial institutions are offering the plan. These rates are based on the thirty-year histories of each of these retirement savings plans.
These retirement plans are unique because they offer the high growth rates in the plan's cash accounts (the contract balance) and lock your earnings in on your anniversary in the plan each year. These plans are liquid which means you can withdraw your principal and interest when you want to, in any denomination that you choose, when your plan matures at the end of its term.

These are the retirement plans that everyone wants but seldom have the inside knowledge to find a way to access them. The following URL will provide you with a description of one of the advanced crediting strategies, used by Nationwide Life, one of the A+ rated institutions that provide these outstanding plans: http://www.nationwidenewheights.com/jp-morgan-mozaic/
My next post will cover, how can a fixed index annuity plan yield the 8.2% to 14.3% APY, that I describe in this introductory post?

J.P. Morgan MOZAIC Index | Nationwide New Heights

In my last post I described the retirement plans from top financial institutions that provide 8.2% to 14.5% interest per year with earnings locked into your account at the end of every year. But I didn't tell you how that could be possible.

There are dozens of industry standard market indexes that are used by various financial investment plans and bank CDs. Fixed index annuities also use various market indexes as their yardstick to determine the growth rate of your balance in the annuities. The carriers who offer them never invest your money in these indexes. So how do they generate these high interest rates?

These high earnings are generated through the adjustment of one key factor, "the PARTICIPATION RATE." The participation rate is stated in percentage of the index's annual yield that the institution credits your account with on your anniversary in the annuity. For example if the S&P500 Index goes up 10% in a given year and the providing carrier provides you with a 100% ongoing participation rate in the S&P500. You would be credited with 10% growth in your balance for that year. If they set your participation rate at 150% for the S&P500, you would be credited with 15% growth in your balance for the year.

If the S&P500 / the market in general has a correction for the year and goes negative. What do the carriers do to your account? The answer is nothing but pay you a minimum interest rate for the year. Fixed Index Annuities do not generate negative yields, even in years like 2008 when many investments dropped by 50% and more.

The top financial institutions, that I have been describing, are paying 100% and up to 165% participation rates in the S&P500
index. If you look at the thirty year history of the interest rates that have been paid by the annuities, their thirty year historic average yield has been 9.8% per year. And the 165% participation rate annuity would credit your fixed index annuity account with 16.17% capital appreciation for the year, locked into your account.

Many of the top financial firms are creating and offering Industry Standard Indexes. And many of these are "Volatility Controlled Indexes, which means the indexes are designed to provide high yields with low volatility. They accomplish this by using the techniques described in the Nationwide video on the J.P. Morgan Mozaic II Index on my last post. In short the index management moves the funds from one asset class investment to another asset class. The amount of money they place in each of the Index's sixteen asset classes is dependent on the performance of each of the asset classes at that particular moment. In August of 2008 the Index management moved all funds into the cash asset class and they lost nothing. The annuity's providing carriers would not have had your funds invested in the Index so you would not have lost anything and you would have recovered very rapidly. I clients went right on with their high compounding rates, with grins from ear to ear.

One of my favorite hobbies is photography. I appreciate every hour that I am able to enjoy hiking along the Chattahoochee River, the mountains or our barrier island beaches. The Chattahoochee River scenery constantly changes presenting me with new opportunities for inspiring riverscapes. Several people have purchased my river prints on "Fine Art in America."

Here is the latest: https://designerprints.com/saleannouncement.html?id=98f1604ead68ae2899e9a2c602a52068

John Schultz sold a 24.000" x 18.000" print on DesignerPrints.com! Click on the image for a larger view and to leave comments.

Visit our page if your looking for the highest interest rates in FDIC insured bank certificates of deposit. These CDs are provided by the largest multinational five star banks. They are extremely SAFE investments. THEY ARE PAYING 18% per YEAR AT THE PRESENT. VISIT OUR FIRM"S SITE TO INVESTIGATE THE DETAILS.

Just had a discussion with several of my friends in this part of Atlanta.
They were asking about saving enough for the long retirements that they expect.

And the following are the critical aspects of those questions!

HAVE YOU BEEN SAVING FOR RETIREMENT AND HAVE NOT BEEN ABLE TO FIND SAFE SAVINGS / INVESTMENT PLANS THAT ARE EARNING MORE THAN 6.00% INTEREST PER YEAR?

Our firm is now helping people to apply for very safe retirement plans that are providing their owners with the present INTEREST RATE of 9.2%APY for capital appreciation (principle growth) and 18.4%APY growth of your lifetime retirement income balance. This plan is provided by one of the most stable financial institutions. This company has an A.M. Best ( A+ Rating ) and has been in business for 148 years.

This outstanding plan is paying this double-digit interest rate AND IT DOES NOT Charge any fees. The plan does not have any caps on its interest rates.
Its rates are linked to the S&P500 rate (50% participation in the S&P500 Index for capital growth and 100% participation in the S&P500 Index for your Lifetime income balance). When the S&P500 goes up 60%+ as it did in 2009, you would be credited with 30%+ interest earnings on your account's capital growth. At the same time you would be credited with the full 60.0%APY growth of your annuity's lifetime retirement income balance for the year. It always has a safe 2.0% minimum rate (it cannot drop below this minimum rate even when the S&P500 drops down to negative rates of change in any year. All earnings are locked into your account at the end of each year, you can not lose earnings that you accumulated in past years.
This plan provides unheard of earning power for your retirement account.