Jersey Benefits Group, Inc.

An annuity is a long–term financial vehicle designed for retirement. It’s a contract between you and an insurance company: you pay a sum of money called a premium – in a lump sum or over a period of time – in return for guaranteed payments later, typically at retirement.

Annuities come in three basic forms:

Fixed Annuities: Fixed rate annuities offer a fixed interest rate guaranteed by the claims-paying ability of an insurance company for a specified period of time - fixed annuities provide a guaranteed minimum interest rate, no matter what happens in the financial markets. This makes a fixed annuity less volatile than most stocks or other equity investments.

Indexed Annuities: Indexed annuities offer an interest rate that is linked to a market index. The market index is one factor, that together with any cap, determines the "excess" interest, if any, to be credited under the annuity. Indexed annuities do not invest in the stock market or any stock index fund. Their return varies more than a fixed annuity, but not as much as a variable annuity. Generally, indexed annuities offer greater protection of principal than variable annuities, due to the ability to "lock in" periodic interest credits. Indexed annuities with interest crediting formulas tied to the stock market have the potential to earn higher interest rates than traditional fixed annuities when the stock market is rising. Depending on the performance of the index, indexed annuities may not earn any interest in a given policy year or years, but policy values will not decrease solely due to poor market performance.

Variable Annuities: for more information visit the FINRA Website.

In order to discuss how an annuity may be beneficial to your overall investment objectives, please complete our Contact Us Form or call John H. Kaighn at (609) 827-0194.

*Jersey Benefits Advisors is a trade name for J/M Kaighn, Inc. a corporation registered in the State of New Jersey, and Jersey Benefits Group, Inc. is a corporation registered in the State of NJ.

*John H. Kaighn is a Registered Representative and an Investment Advisor Representative of Osaic Wealth, Inc. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

*Insurance services provided by Jersey Benefits Group, Inc., a Licensed Insurance Producer in the State of New Jersey.

*John H. Kaighn is licensed to offer securities through Osaic Wealth, Inc. in the states of DE, FL, IL, MD, NC, NJ, NY, and PA., as well as investment advisory services in NJ. This Website should not be considered a solicitation for securities business or investment advisory services in any other state.

*This web page offers links to other companies. Once a hyperlink is activated, you will be leaving Jersey Benefits Group, Inc., and operate outside Jersey Benefits Group, Inc. Website. Jersey Benefits Group, Inc. is not responsible for the validity, completeness or accuracy of any information provided on those sites to which you may link. Furthermore, Jersey Benefits Group, Inc., Jersey Benefits Advisors and Osaic Wealth, Inc. shall not be liable for any direct or indirect system damage or other problems you may incur as a result of linking to any other website, including any consequences arising from your accessing third party technologies, sites, information and programs made available through Jersey Benefits Group, Inc.

*Click here to view Form ADV Part 2

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