Andrews Financial


Experienced Financial Professional Advises on Creating “Lifetime Income”





How can I be sure my retirement is protected from a market downturn?

Our first meeting is similar to a counseling session and will give us an overall view of your current goals and financial accounts. Generally, most people ask how to preserve their money from a market downturn. After our review, we will discuss a personalized plan for you, considering debt reduction, lifestyle changes, and inflation protection for your retirement funds.


How can I create a more tax-effective plan for retirement?

I review your statements, assess your current risk and fees, and look for options to minimize and reduce your risk and fees. Risk is defined by how emotionally comfortable you are with your money; whether you are conservative or are open to more market risk. There are general risk guidelines for your age; however, I like to meet with my clients personally and discuss their opinion of risk. In our meeting, I will help you define what your risk is, review your options, and be sure your risk allocation is in line with your goals.


I hear negative comments and advertising about annuities and do not really understand them. Are annuities a good option for my retirement monies?

Annuities have often been misunderstood, as there are different types of annuities to consider based on risk. Annuities are financial tools we have that are designed to provide an income you cannot outlive, and may offer strong benefits to your income planning. Blended with other investments, we can see how annuities may complement your long-term income planning.


How will my money grow if I’m on a fixed income?

Financial growth is determined by the type of investment you have, based on the income it will provide. Spending 30 to 45 minutes with me will allow us to review your investments, discuss goals and strategies, and create or revise a plan together.


Do I need to define who my beneficiary will be for each type of account I have?

It depends on the account. Typically, many of us may have a 401K, IRA accounts, and brokerage accounts. Some require your will to direct who the beneficiary will be, while others require you to state the beneficiary when the account is initially created. We will review this together to be sure you have the beneficiary you desire on each of your accounts.


How are you paid for your services?

There are fee-based and commission-based advisors. I am licensed in both. Upon review of your portfolio and the plan we create, I will review each option we discuss and how I get paid.


Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested.

There is a surrender charge (CDSC) imposed generally during initial years of your annuity contract. Withdrawals prior to age 59 ½ may result in a 10% IRA tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company.

Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and Registered Investment Adviser. Cetera is under separate ownership from any other named entity.


About the Expert

Debbie Andrews 
Andrews Financial Services

For more than 31 years, Debbie has been the owner and president of Andrews Financial Services, specializing in retirement and income planning. She is a Financial Advisor in retirement and investment planning, managed accounts, mutual funds, stocks, bonds, annuities, and life insurance plan design. She is Securities registered with Cetera Advisors, LLC, and Group 1, Life and Health license.


Get in Touch  // (281) 550-3330