Financial Planner Services Frankenmuth MI


Choosing the right accumulation vehicle for retirement can be difficult. With so many choices, which product will be right for you?

On one hand, you want the safety and guarantee of premium credited interest rates. On the other hand, you might experience the potential of higher returns by investing directly in the market; the return potential a fixed-rate investment can’t offer. This was and has been the decision that retirement savers had in the past; receive the guarantee of premium and a minimum amount of interest or link oneself to the market with the potential of higher returns, but also accept the downside risk to your premium.

Now you can have the best of both worlds; guarantee of premium and the potential of market-linked growth with no risk of loss of premium due to market downturns. We offer the Safe Growth Strategy concept; a concept designed to help you reach your retirement goals safely, letting you rest comfortably knowing you cannot lose.

Contact us today and let us help you rest peacefully, and retire comfortably.

Our Secure Investment Strategy uses a fixed index annuity and provides you with the best features of a traditional fixed annuity and the stock market- or bond-linked growth potential:

Guarantee of Premium

Designed to enhance growth potential, a fixed index annuity offers you stock market- or bond-linked growth without experiencing loss of premium form market loss or fluctuations with the market. Diverse options referred to as Index Accounts allow you the ability to earn Interest Credits based on stock index gains without risk of premium due to market loss.

Tax Deferral

Tax-deferred growth allows your money to grow faster because you earn interest on dollars that would otherwise be paid in taxes. Your premium earns interest, the interest compounds within the contract, and the money you would have paid in taxes earns interest.

Liquidity Features

Our goal is to provide you with opportunities to withdraw funds normally subject to any applicable surrender charges, interest adjustments, premium bonus recaptures, and or IRS penalties). Fixed index annuity contracts allow for some form of penalty-free withdrawals up to 10% of the full accumulation value once each contract year after the first contract anniversary. We can also offer you certain riders that can increase your liquidity under certain conditions.

Stock Market- or Bond-Linked Growth Potential

With our fixed index annuities, you benefit from the enhanced stock market- and bond-linked growth potential without risking direct participation in the stock market. Fixed index annuity premiums are not invested directly in the stock market or in individual stocks.

In contrast to a securities-type product or mutual fund where the investor bears the market risk, the fixed index annuity concept insulates you from any risk of loss of premium.

For more information on our quality products and professional advice, call Conzelmann Insurance Agency & Financial Services, Inc. today at (989) 652-2582.

Primary Communities Served

Bay City



Oil City

Saginaw Twp.

St. Charles
University Center